Sales Report:Supplement No. 140 dated Feb 19, 2010 to Prospectus dated Jul 13, 2009
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series 438286
This series of Notes was issued and sold upon the funding of the borrower loan #40918, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 23.33% Starting monthly payment: $75.43
Final lender yield: 19.85% Final borrower rate/APR: 20.85% / 23.10% Final monthly payment: $75.20
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.96%  
Lender servicing fee: 1.00% Estimated return: 12.89%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1997 Debt/Income ratio: 3%
Basic (1-10): 9 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 6 / 1Length of status:0y 7m
Credit score: 660-679 (Jan-2010) Total credit lines: 39 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 9    
Screen name: jokerj006 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 2 ( 100% ) 660-679 (Latest)
Principal borrowed: $1,000.00< mo. late: 0 ( 0% )  
680-699 (Dec-2009)
660-679 (Aug-2009)
740-759 (Jul-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 2  
Description
to rebuild credit
Purpose of loan:

I had to file bankruptcy because of some bad business debts that I personally guaranteed. I have a long history of excellent credit and still have a credit card through my bank. My credit score is back to the?upper 600?s months after bankruptcy. I want to obtain this loan to establish credit for an installment loan and raise my credit score.? Thank you
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
loyalist1$25.00$25.002/10/2010 4:13:49 PM
Bob450$25.00$25.002/10/2010 8:28:55 PM
dynrep$50.00$50.002/11/2010 7:12:48 AM
orange-finance-banker$25.00$25.002/15/2010 4:15:50 PM
grammaspurse$25.00$25.002/15/2010 8:30:07 PM
deal-dojo$57.12$57.122/16/2010 4:39:10 AM
YeoLenderSource$25.00$25.002/16/2010 10:35:15 AM
carrinel$150.00$150.002/16/2010 12:22:02 PM
kinetic-social$30.00$30.002/16/2010 4:05:40 PM
tomoe$25.00$25.002/16/2010 5:16:53 PM
SolarMoonshine$50.00$50.002/16/2010 5:45:42 PM
crippledcircus$38.76$38.762/16/2010 5:41:46 PM
autonomous-truth$200.00$200.002/16/2010 11:09:59 PM
purposeful-dedication$25.00$25.002/17/2010 12:45:54 PM
interact$25.00$25.002/17/2010 12:17:27 PM
nalaari$25.00$25.002/17/2010 2:14:54 PM
deepblue34$35.00$35.002/17/2010 3:41:11 PM
Astyanax$25.00$25.002/17/2010 1:39:14 PM
Spinnaker$50.00$50.002/17/2010 2:30:32 PM
worth-arch$25.00$25.002/17/2010 2:33:45 PM
charming-point$300.00$300.002/17/2010 2:43:52 PM
worthy-bid4$25.09$25.092/17/2010 2:57:33 PM
Pod1313$27.82$27.822/17/2010 3:53:21 PM
Lear31$25.00$25.002/17/2010 3:59:04 PM
kinetic-social$25.00$25.002/17/2010 4:03:04 PM
IPG1$25.00$25.002/12/2010 12:40:39 PM
brother_tam$125.00$125.002/16/2010 5:51:55 PM
tornandfrayed$32.94$15.922/16/2010 7:48:28 PM
Bob450$25.00$25.002/16/2010 10:52:02 PM
miniloan$25.00$25.002/17/2010 9:30:44 AM
EEasyMoney$25.00$25.002/17/2010 12:33:30 PM
plbquic$25.00$25.002/17/2010 12:09:15 PM
CoolPlexer$25.09$25.092/17/2010 1:56:38 PM
jtoms101$25.00$25.002/17/2010 2:28:19 PM
dstolars$25.00$25.002/17/2010 3:00:00 PM
Mikale360$25.00$25.002/17/2010 3:02:47 PM
SkinnyFish$25.00$25.002/17/2010 3:06:55 PM
DasMula$25.00$25.002/17/2010 3:18:30 PM
five-star-note$55.76$55.762/17/2010 3:56:36 PM
xyzpl$50.00$50.002/17/2010 11:50:14 AM
Engineer44$25.00$25.002/17/2010 4:07:11 PM
planetibet$50.00$50.002/17/2010 2:52:31 PM
the-profit-oracle$25.00$25.002/17/2010 2:55:57 PM
lender-inc$39.44$39.442/17/2010 1:53:33 PM
44 bids
 
Borrower Payment Dependent Notes Series 444404
This series of Notes was issued and sold upon the funding of the borrower loan #40901, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,700.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Feb-04-2010 
  Auction end date:  Feb-11-2010 
 
Starting lender yield: 6.15% Starting borrower rate/APR: 7.15% / 7.49% Starting monthly payment: $52.61
Final lender yield: 6.05% Final borrower rate/APR: 7.05% / 7.39% Final monthly payment: $52.53
 
Auction yield range: 3.06% - 6.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Dec-2000 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 10 Inquiries last 6m: 1Employment status:Self-employed
Enhanced (1-5):5 Current / open credit lines: 10 / 10Length of status:7y 4m
Credit score: 760-779 (Jan-2010) Total credit lines: 21 Occupation: Skilled Labor
Now delinquent: 0 Revolving credit balance: $13,248Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 23%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: economy-caper9 Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Fresh start in the New Year
Purpose of loan:
This loan will be used to pay off a credit card balance.? 2009 was a bad year for my cabinet shop.? So unfortunately my family had to put some bills on a credit cards in order to stay living in our home.

My financial situation:
I am a good candidate for this loan because this are starting to fall back in to place now.? There are some jobs on the horizon and also my wife and I have picked up some new part time jobs.? After figuring our family budget, we should have about $230 extra month.?

I believe this site will show that I have one late payment from 2008.? What happened is that I used a credit card for a $54 payment.? This particular card was one I hardly used.? Well I forgot to make the payment.? About 1 month later, after the damage was done, my credit card company mailed me a letter stating I was late with a payment.? I tried to argue to fix this only blemish on my record but they wouldn't.? Otherwise my wife and I have about?6 accounts in our household that we are consistent about making payments on.? Home, car, and some credit cards.? I excited about this year to finally get my life back in order.? If you have any questions, please feel free to ask.? I'll be happy to answer.? Thanks for taking time to read my post.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Mav26$200.00$200.002/5/2010 11:49:23 AM
Leopoldine$26.00$26.002/6/2010 6:26:14 PM
JerryB96$25.00$25.002/7/2010 1:29:26 PM
mason5$100.00$100.002/8/2010 10:10:43 AM
natural-greenback6$25.00$25.002/8/2010 6:08:45 PM
CollinsCrew$33.94$33.942/8/2010 7:47:32 PM
rome1426$50.00$50.002/8/2010 7:50:26 PM
nbah123$50.00$50.002/9/2010 10:07:31 AM
tomjac2000$25.00$25.002/9/2010 8:02:15 PM
itsmaj$100.00$100.002/10/2010 1:47:30 AM
encore02$100.00$100.002/10/2010 11:47:31 AM
Ganthiel$50.00$50.002/10/2010 9:38:23 AM
RandyL3$49.01$49.012/10/2010 5:17:15 PM
barryb77$50.00$50.002/10/2010 4:48:24 PM
exchange-squirrel$25.00$25.002/11/2010 12:47:29 AM
rl164$50.00$50.002/11/2010 7:40:31 AM
goffmt$50.00$50.002/11/2010 11:48:14 AM
stephen_c01$50.00$50.002/11/2010 3:54:54 PM
kf88$30.00$30.002/11/2010 4:08:07 PM
Dollars4Rent$25.00$25.002/8/2010 8:40:38 AM
Dollars4Rent$25.00$25.002/8/2010 8:40:51 AM
dollardave$200.00$35.802/8/2010 11:37:30 AM
REITRUST$25.00$25.002/9/2010 6:37:24 AM
Patrician$25.25$25.252/9/2010 10:37:15 AM
HealthAndSafety$100.00$100.002/9/2010 2:35:52 PM
biohazardus$25.00$25.002/9/2010 7:12:47 PM
Earn_money$25.00$25.002/10/2010 10:08:13 AM
wild-orange$25.00$25.002/11/2010 11:18:10 AM
PeterPsych$200.00$200.002/11/2010 9:51:32 AM
crw1950$50.00$50.002/11/2010 3:12:55 PM
admirable-credit$25.00$25.002/11/2010 3:55:54 PM
worth-quark$25.00$25.002/11/2010 4:36:09 PM
32 bids
 
Borrower Payment Dependent Notes Series 445514
This series of Notes was issued and sold upon the funding of the borrower loan #40924, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-15-2010 
 
Starting lender yield: 10.50% Starting borrower rate/APR: 11.50% / 11.85% Starting monthly payment: $494.64
Final lender yield: 9.30% Final borrower rate/APR: 10.30% / 10.65% Final monthly payment: $486.12
 
Auction yield range: 3.06% - 10.50% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Feb-1990 Debt/Income ratio: 13%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 10Length of status:11y 4m
Credit score: 840-859 (Jan-2010) Total credit lines: 30 Occupation: Doctor
Now delinquent: 0 Revolving credit balance: $137Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: Maktmak Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Consolidating my wife's credit card
Purpose of Loan:
This loan will be used to consolidate several of my wife?s credit cards at a better interest rate.

She has been working in the construction/architecture industry and was laid off. This, in itself, would be manageable, but in an effort to survive and unbeknownst to me, she?s been relying on credit cards to keep up appearances. We have made some changes in our family, and hopefully, will come out of this stronger.

This loan will combine?2 of her?3 credit lines into one payment at a lower interest rate. We plan to sell her car, pay off that car loan and throw everything else we can at the?3rd to get that paid as quickly as possible. All? credit lines have been closed and no further cards will be opened in her name.

My financial situation:

I am a homeowner with an exemplary credit rating. By the time this loan closes I should have little to no revolving debt or car payments of my own, leaving only our 1st and 2nd mortgage as major debts to service. A rough budget is as follows:

Monthly Income: $15,000.00
(My income only. Wife plans to obtain at least a part-time job to increase this.

Expenses:
Mortgage (1st and 2nd) 3000.00
School Tuition-kids 1700.00
Groceries/expenses 2000.00
Car Insurance 120.00
Cable 135.00
Phone 60.00
Cell 200.00
Life/Disability Ins 650.00
Utilities 250.00
College Saving 500.00
Vacation Timeshare fee 100.00
Self employment Tax 2600.00
Orthodontist 180 .00 (x 6 more months)
Savings 800.00
Childrens Allowances 100.00

Total 12095.00

The remainder will service this loan (at ~$500.00 per month) as well as the?3rd high interest credit card which presently has a monthly minimum payment of ~$800 per month. Again, it is my hope to have this high interest card renegotiated and paid off in the very near future.

Thank you in advance for your investment!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Why have the three previous requests for this consolodation been withdrawn? - a-truth-director
A: Hello, Thanks for the question. Actually only 2 were withdran. The first loan's bidding closed unfilled. As should be apparent, each listing was a little different as I tried to adjust the Amount/Rate to attract bidders. The two listings that I withdrew did not seem to be on track to fill, so I withdrew them in order to adjust. Thanks in advance for your support (Feb-11-2010)
Q: hello, what is the interest rate of 2 cards and how soon would you like to pay off this loan - justice-hawk
A: We all hear the horror stories; start out with an intro rate, pay late on one card and the rate on all your cards sky-rocket. We're living that now. The two cards we hope to pay off have rates of 25 and 28 percent. The lower rate on this loan will be a blessing. This loan will be paid off in 3 years. (Feb-11-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
kenji4861$25.00$25.002/8/2010 12:40:53 PM
lean-velocity$25.00$25.002/8/2010 12:41:12 PM
responsibility-butterfly$25.00$25.002/8/2010 1:03:19 PM
systematic0$25.00$25.002/8/2010 1:03:27 PM
cash-sensai2$25.00$25.002/8/2010 1:07:22 PM
lloyd_s$25.00$25.002/8/2010 1:07:47 PM
Cai8899$75.00$75.002/8/2010 1:10:11 PM
radforj22$25.00$25.002/8/2010 1:02:19 PM
market-builder$25.00$25.002/8/2010 1:10:28 PM
friendly-worth3$25.00$25.002/8/2010 1:03:30 PM
rolandweary$30.00$30.002/8/2010 1:11:46 PM
Havana21$25.00$25.002/8/2010 1:11:57 PM
AmericanCredit$25.00$25.002/8/2010 1:12:38 PM
meenan$25.00$25.002/8/2010 1:07:38 PM
personal-lender$25.00$25.002/8/2010 1:07:49 PM
credit-force5$25.00$25.002/8/2010 1:08:13 PM
moola-escalator$50.00$50.002/8/2010 1:08:42 PM
falcon245sp$25.00$25.002/8/2010 1:09:16 PM
Syzygy$25.00$25.002/8/2010 1:09:42 PM
bchen78875$50.00$50.002/8/2010 1:09:52 PM
delicious-social132$25.00$25.002/8/2010 1:10:37 PM
bowdish1$100.00$100.002/8/2010 1:10:45 PM
peerlender$30.00$30.002/8/2010 1:11:09 PM
commerce-web5$40.00$40.002/8/2010 1:11:23 PM
dollar-birdie$30.00$30.002/8/2010 1:11:38 PM
wampum-reaction2$25.00$25.002/8/2010 1:12:12 PM
LandE2BG$25.00$25.002/8/2010 1:12:20 PM
durability-halibut$25.00$25.002/8/2010 1:17:46 PM
bigballer105$25.00$25.002/8/2010 1:13:05 PM
life-is-great$25.00$25.002/8/2010 1:18:34 PM
buckyhead2000$25.00$25.002/8/2010 1:20:29 PM
bokonon$25.00$25.002/8/2010 1:16:22 PM
zento$25.00$25.002/8/2010 1:30:34 PM
bruce3504$25.00$25.002/8/2010 1:16:33 PM
inspired-contract9$50.00$50.002/8/2010 1:17:21 PM
auction-elvis$25.00$25.002/8/2010 1:17:52 PM
community-pipeline$25.00$25.002/8/2010 1:17:58 PM
thegreatone$100.00$100.002/8/2010 1:17:59 PM
Kaj$25.00$25.002/8/2010 1:19:30 PM
Psychohistorian$95.07$95.072/8/2010 1:41:51 PM
anakinsolo$25.00$25.002/8/2010 6:20:08 PM
worth-victor6$25.00$25.002/8/2010 6:46:40 PM
lucrative-loan$50.00$50.002/8/2010 7:15:03 PM
Phantom99$25.00$25.002/8/2010 7:31:58 PM
AceInTheHole$25.00$25.002/8/2010 8:44:00 PM
honorable-yield$75.00$75.002/8/2010 8:02:07 PM
calilending$25.00$25.002/9/2010 12:28:56 AM
iflyforfun$25.00$25.002/8/2010 10:35:56 PM
Zipperdu$50.00$50.002/9/2010 8:20:18 AM
commerce-seahorse$25.00$25.002/9/2010 9:39:10 AM
jakesworld$50.00$50.002/9/2010 9:07:43 AM
UncleTupelo2$25.00$25.002/9/2010 9:39:22 AM
wise-silver-wonder$50.00$50.002/9/2010 11:07:00 AM
BoughtTheFarm$25.00$25.002/9/2010 10:52:37 AM
smart-gold$25.00$25.002/9/2010 11:32:25 AM
soccermom33$25.00$25.002/9/2010 1:26:38 PM
loantigger$25.00$25.002/9/2010 11:44:00 AM
KlarthXVII$50.00$50.002/9/2010 2:29:43 PM
GrayStudio$50.00$50.002/9/2010 12:26:31 PM
SoCalRancher$25.00$25.002/9/2010 3:19:07 PM
kulender$25.00$25.002/9/2010 2:45:17 PM
wormdc$25.00$25.002/9/2010 2:48:57 PM
UT-Longhorn$25.00$25.002/9/2010 2:54:09 PM
credit-coach118$40.00$40.002/9/2010 2:54:30 PM
Lambo168$25.00$25.002/9/2010 3:28:10 PM
pinnacle10$25.00$25.002/9/2010 4:08:45 PM
turbostar666$30.00$30.002/9/2010 4:17:29 PM
dud$50.00$50.002/9/2010 4:33:00 PM
all_of_that_one$25.00$25.002/9/2010 5:01:07 PM
djs81$25.00$25.002/9/2010 6:12:19 PM
commerce-voyager$25.00$25.002/9/2010 5:03:13 PM
friendly-return7$25.00$25.002/9/2010 5:16:53 PM
blot44$25.00$25.002/9/2010 6:20:45 PM
Hexnut$50.00$50.002/9/2010 5:04:50 PM
balance6$25.00$25.002/9/2010 5:05:11 PM
noble-revenue$41.55$41.552/9/2010 8:09:03 PM
ADenny$25.00$25.002/9/2010 6:12:21 PM
BoutYeBank$36.28$36.282/9/2010 7:59:28 PM
five-star-note$35.00$35.002/10/2010 4:30:17 AM
skifamily1992$25.00$25.002/9/2010 8:00:01 PM
new-smart-fund$100.00$100.002/9/2010 7:04:02 PM
blukestrel$25.00$25.002/9/2010 7:12:11 PM
sas19$25.00$25.002/10/2010 8:10:18 AM
movistar$25.00$25.002/9/2010 8:16:28 PM
paintedposies$350.00$350.002/9/2010 9:58:29 PM
cashhelp$25.00$25.002/9/2010 8:39:37 PM
don8ter$39.96$39.962/10/2010 9:28:23 AM
huorn$25.00$25.002/10/2010 9:34:49 AM
currency-persimmon$25.00$25.002/10/2010 9:41:43 AM
majormoves1$25.00$25.002/10/2010 9:47:36 AM
himanshuko$34.44$34.442/10/2010 10:04:13 AM
market-banshee$25.00$25.002/10/2010 10:25:06 AM
dansarkis$25.00$25.002/10/2010 10:49:18 AM
docdekay$40.00$40.002/10/2010 9:09:35 AM
rjblack$50.00$50.002/10/2010 12:00:26 PM
payout-point$29.81$29.812/10/2010 9:02:16 AM
Walkingcowboy$25.00$25.002/10/2010 11:25:55 AM
OLYVRC$25.00$25.002/10/2010 4:05:28 PM
cjohnson041$34.34$34.342/10/2010 12:15:35 PM
psanganee$25.00$25.002/10/2010 1:42:55 PM
greenback-floret$50.00$50.002/10/2010 4:52:03 PM
lender12345$25.00$25.002/10/2010 6:05:17 PM
JJS180$25.00$25.002/10/2010 6:08:57 PM
rudyindc$25.00$25.002/11/2010 6:30:52 AM
encore02$100.00$100.002/11/2010 9:02:00 AM
dumbass$25.00$25.002/10/2010 9:09:01 PM
BiggestG$25.00$25.002/11/2010 11:16:24 AM
goffmt$50.00$50.002/11/2010 11:52:43 AM
HHP$25.00$25.002/11/2010 7:33:39 AM
stockpicker_jboy$50.00$50.002/11/2010 9:15:29 AM
Gromac$25.00$25.002/11/2010 12:56:12 PM
bugleusmc$30.00$30.002/11/2010 1:06:11 PM
secret-santa$25.00$25.002/11/2010 1:21:05 PM
DadWarbucks$25.00$25.002/11/2010 1:46:15 PM
Mark-O-Polo$25.00$25.002/11/2010 11:40:50 AM
bobby4u3$25.00$25.002/11/2010 11:46:53 AM
danfrphils$25.00$25.002/11/2010 3:14:24 PM
latestone$25.00$25.002/11/2010 3:25:55 PM
alexstar$25.00$25.002/11/2010 1:15:24 PM
woodenshoes$25.00$25.002/11/2010 12:56:51 PM
flyfisherman99$120.00$120.002/11/2010 1:15:29 PM
langdonx$25.00$25.002/11/2010 2:11:01 PM
Dollars4Rent$25.00$25.002/11/2010 1:21:00 PM
julijask$35.00$35.002/11/2010 2:50:40 PM
angelinvestor2$25.00$25.002/11/2010 1:37:02 PM
RandyL3$50.00$50.002/11/2010 4:58:05 PM
zx12rider$25.00$25.002/11/2010 9:51:59 PM
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don'twannadance$50.00$50.002/11/2010 5:13:09 PM
philantist$25.00$25.002/12/2010 8:25:30 AM
wicus$43.06$43.062/11/2010 6:33:31 PM
jmart30702$27.26$27.262/11/2010 7:00:45 PM
RichDadPoorDad$25.00$25.002/12/2010 11:06:19 AM
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Deut_15_6$25.00$25.002/12/2010 4:49:55 AM
leverage-monger$25.00$25.002/12/2010 8:16:38 AM
baggydomer$33.74$33.742/12/2010 2:19:33 PM
qkinger$50.00$50.002/12/2010 3:29:24 PM
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run_dmc$100.00$100.002/12/2010 11:49:22 AM
stonechip$25.49$25.492/12/2010 12:36:49 PM
jdadverb$25.23$25.232/12/2010 8:14:01 PM
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Ardy123$25.00$25.002/12/2010 11:00:10 PM
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jalvin$100.00$100.002/13/2010 10:46:54 AM
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BuckeyeGuy$25.00$25.002/14/2010 11:40:03 AM
LARRY4NY$50.00$50.002/13/2010 8:32:17 PM
hope-lionheart1$50.00$50.002/13/2010 9:21:50 PM
favorite-commerce$25.00$25.002/14/2010 6:26:33 AM
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blackstar$25.00$25.002/14/2010 6:26:15 PM
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persistent-value3$64.69$64.692/15/2010 6:01:54 AM
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YummiBear$25.00$25.002/14/2010 7:21:23 PM
marinbb$25.00$25.002/14/2010 8:29:17 PM
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justice-hawk$30.00$30.002/15/2010 9:53:53 AM
friendinmoney$46.56$46.562/15/2010 9:41:38 AM
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420limo$25.00$25.002/8/2010 12:52:22 PM
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inforapenny$25.00$25.002/8/2010 1:03:22 PM
principal-prodigy$25.00$25.002/8/2010 1:03:16 PM
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DukSerduk$25.00$25.002/8/2010 1:20:41 PM
jla720$32.39$32.392/8/2010 1:25:24 PM
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anton$250.00$250.002/8/2010 1:39:54 PM
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LEBO$25.00$25.002/8/2010 6:46:36 PM
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One-ninety-three$25.00$25.002/8/2010 9:03:01 PM
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ksubd$55.00$55.002/9/2010 12:20:23 AM
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tsui517$25.00$25.002/9/2010 6:50:34 AM
DHolly$25.00$25.002/9/2010 5:30:08 AM
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Guiren$100.00$100.002/9/2010 4:12:57 PM
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GElender$50.00$50.002/9/2010 4:51:12 PM
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skillful-finance$25.00$25.002/9/2010 7:09:59 PM
the-financier814$25.00$25.002/9/2010 9:14:07 PM
Jarod213$25.00$25.002/9/2010 9:53:11 PM
BankOfFrankFairness$50.00$50.002/10/2010 8:26:45 AM
reinforced-reward$25.00$25.002/9/2010 10:14:00 PM
bayareainv$47.75$47.752/10/2010 8:47:59 AM
investment-tempo$25.00$25.002/10/2010 9:34:59 AM
gogmagog$36.25$36.252/10/2010 9:47:39 AM
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swaptionaire$196.56$196.562/10/2010 11:48:43 AM
bill-bearer$25.76$25.762/10/2010 9:36:16 AM
greenwell$36.26$36.262/10/2010 11:55:19 AM
slartibardfast$25.00$25.002/10/2010 12:11:12 PM
NYcapital_financing$50.00$50.002/10/2010 10:16:25 AM
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forthright-dedication$25.00$25.002/10/2010 1:32:14 PM
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JCMC$25.00$25.002/10/2010 7:39:05 PM
mchale$50.00$50.002/10/2010 8:29:15 PM
Tradesmanlender$25.00$25.002/11/2010 9:43:35 AM
MrGhost$25.00$25.002/11/2010 10:41:37 AM
lasalsa03$32.20$32.202/11/2010 8:02:37 AM
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theemhdoctor$25.00$25.002/11/2010 2:10:32 PM
chief_wo$25.00$25.002/11/2010 11:01:39 AM
creativename$25.00$25.002/11/2010 12:49:43 PM
Jassi$25.00$25.002/11/2010 12:56:57 PM
EmeritusX$25.00$25.002/11/2010 1:15:22 PM
bid-papyrus$25.00$25.002/11/2010 12:56:49 PM
outtahoth2o$66.77$66.772/11/2010 3:25:40 PM
acropiloterau2002$25.00$25.002/11/2010 2:03:57 PM
integrity-doctor$50.00$50.002/11/2010 2:36:16 PM
kayakg$25.00$25.002/11/2010 2:50:51 PM
capital-web7$25.00$15.672/11/2010 4:11:55 PM
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Castelj$45.00$45.002/11/2010 6:07:40 PM
caffinate$46.42$46.422/11/2010 5:04:37 PM
yield-quest$50.00$50.002/12/2010 7:45:24 AM
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GarciaCompany$27.72$27.722/11/2010 5:30:42 PM
sflash$25.00$25.002/11/2010 5:41:16 PM
socal-lender$25.00$25.002/11/2010 11:03:56 PM
mafmafmaf$80.00$80.002/12/2010 6:06:43 AM
Queueball1$25.00$25.002/12/2010 1:11:48 PM
BenOrt$30.00$30.002/12/2010 1:33:07 PM
dorypro$25.00$25.002/12/2010 1:33:49 PM
PeterPsych$300.00$300.002/12/2010 2:23:37 PM
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CashBank$25.00$25.002/12/2010 12:14:40 PM
historyman$25.00$25.002/12/2010 6:57:44 PM
bonus-apple$100.00$100.002/12/2010 7:38:23 PM
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hondo44$50.00$50.002/13/2010 6:36:49 AM
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twerns$40.00$40.002/12/2010 7:12:58 PM
dollars4loan$50.00$50.002/13/2010 12:05:30 PM
superfunder$50.00$50.002/13/2010 8:39:32 AM
sharp-credit$1,000.00$1,000.002/13/2010 9:52:36 PM
RandyL3$36.00$36.002/13/2010 2:35:43 PM
cash-blueberry$30.00$30.002/14/2010 10:08:48 AM
Earnest_Money$25.00$25.002/13/2010 9:26:33 PM
reflective-rupee$25.00$25.002/13/2010 10:38:01 PM
pythia$25.00$25.002/14/2010 5:00:14 PM
ISLA-VISTA$28.33$28.332/14/2010 11:05:28 AM
BOZO88$50.00$50.002/14/2010 2:19:22 PM
preventivepestcontrol$75.00$75.002/14/2010 11:19:07 PM
pjnala1$50.00$50.002/14/2010 4:52:50 PM
beeslow$44.38$44.382/14/2010 2:28:36 PM
vutah$25.00$25.002/14/2010 5:46:09 PM
catalystcf$25.00$25.002/15/2010 8:31:37 AM
JohnSmith10$25.00$25.002/14/2010 10:26:47 PM
investor11373$25.00$25.002/15/2010 3:40:58 AM
rate-hickory$50.00$50.002/15/2010 7:49:53 AM
RISK-VERSUS-RETURN$25.00$25.002/15/2010 9:49:07 AM
shrewd-income$50.00$50.002/15/2010 8:07:06 AM
DaveTheWave$34.92$34.922/15/2010 8:29:16 AM
trade-elm$200.00$200.002/15/2010 10:28:19 AM
leverage-monger$25.00$25.002/15/2010 9:36:53 AM
leverage-monger$25.00$25.002/15/2010 12:25:16 PM
smbau06$40.00$40.002/15/2010 10:01:30 AM
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jybank$25.00$25.002/15/2010 12:02:15 PM
worthy-bid4$25.00$25.002/15/2010 12:19:49 PM
368 bids
 
Borrower Payment Dependent Notes Series 445552
This series of Notes was issued and sold upon the funding of the borrower loan #40921, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Feb-04-2010 
  Auction end date:  Feb-11-2010 
 
Starting lender yield: 29.00% Starting borrower rate/APR: 30.00% / 32.38% Starting monthly payment: $106.13
Final lender yield: 27.00% Final borrower rate/APR: 28.00% / 30.35% Final monthly payment: $103.41
 
Auction yield range: 11.06% - 29.00% Estimated loss impact: 10.67%  
Lender servicing fee: 1.00% Estimated return: 16.33%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jan-1996 Debt/Income ratio: 36%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 15 / 12Length of status:1y 9m
Credit score: 640-659 (Jan-2010) Total credit lines: 24 Occupation: Professional
Now delinquent: 1 Revolving credit balance: $7,498Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 66%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 6    
Screen name: twostep4nc Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 18 ( 95% ) 640-659 (Latest)
Principal borrowed: $9,800.00< mo. late: 1 ( 5% )  
640-659 (May-2008)
 
Principal balance: $5,170.96 1+ mo. late: 0 ( 0% )
Total payments billed: 19  
Description
2nd Loan - Pay You not CC
Purpose of loan:
I have been paying down one of my credit cards and then all of a sudden they?"rate jack" me to the tune of 32.99%.? So instead of paying the?bank that has been bailed-out once, I would rather pay you.? The balance on the card is $2400 and the loan will cover the payoff and the Prosper fees.?

My financial situation:
I am a good candidate for this loan because I have a perfect payment history with Prosper (You will see one payment that was 2 days late which occurred when I tried to do an additional payment and it whipped out my automatic withdrawl and was quickly resolved.? I have a full-time job with benefits and a chance for advancement in the near future.? I am committed to this site and want a better community here at Prosper.? You will see one current "deliquent" account which is not mine and is in the courts currently (I had a BMG account 10 years ago that I closed...last year, they sold all the names of former customers to a company that are putting false deliquent accounts on a person's credit report and are asking for a pay for removal from all of them...I have a lawyer and it should be resolved soon).? All other deliquencies were 5 to 6 years ago while in college and grad school...perfect payment history since I have been working full-time.

Monthly net income: $ 3,200
Monthly expenses: $?2,130
??Housing: $?650
??Insurance: $ 50 (car insurance)
??Car expenses: $ 50 for gas a month ($50 for oil change every 3000 miles...I own my car so I do not have any car payments)
??Utilities: $ 60
??Phone, cable, internet: $140
??Food, entertainment: $ 300
??Clothing, household expenses $? 255
??Credit cards and other loans:?$550 ($347 in Prosper loans that will expire in June 2011)
??Other expenses: $ 75 (dog food and medication)

Additional Information
I believe that Prosper is a great opportunity for borrowers and lenders.? This place needs to be a safe and reliable place for all parties.? I am committed to pay my loan to build a better community.

If anyone has questions, please ask and I will post the answer on my listing for all to see.? I have nothing to hide.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: Hello - If you have slightly over 1000 left per month after expenses, per your budget and income figures, why not just pay this card out of those funds? - heerzaquestion
A: Good question...I am paying for part of my wedding right now and have vowed to use zero credit to pay for my part and the honeymoon. Currently, I am paying off the credit card as much as I can so that the wedding will get paid for and my credit will be paid off. That was until the notice came that they were raising my rates. When the wedding and honeymoon are paid for, I will have even more cash to pay off this loan but I don't want to pay the bank another cent. (Feb-10-2010)
Q: could you please explain 6 DQ's in 7 years and one now please - MrPie
A: Current: BMG sold my closed account information that I had 10 years ago. The agency that bought the information has placed a deliquency on my credit report for $0 and when I contacted them, they wanted me to pay $500 to have it removed . I retained a lawyer and it is being handled. The others were 5-6 years ago on 2 accounts when I was in college and my student loans did not come in time...I have had a perfect payment history since graduating and working FT (Feb-10-2010)
2 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Bob450$25.00$25.002/4/2010 8:02:36 PM
Helenska11$25.00$25.002/5/2010 5:41:23 AM
circle$100.00$100.002/7/2010 12:28:33 AM
lender12345$25.00$25.002/6/2010 9:42:01 PM
fairness-atmosphere$25.00$25.002/8/2010 2:06:34 PM
vine99$45.00$45.002/8/2010 7:12:34 PM
five-star-note$75.00$75.002/8/2010 10:17:13 PM
DoogieMoney$25.00$25.002/9/2010 1:27:54 PM
Kash2010lu$25.00$25.002/10/2010 6:32:06 AM
martymaniaman$25.00$25.002/10/2010 6:46:38 AM
integrity-doctor$50.00$50.002/9/2010 8:20:53 PM
jranav$25.00$8.462/10/2010 10:29:38 AM
eboomer2611$25.00$25.002/10/2010 7:25:36 AM
grnii78$254.41$254.412/10/2010 8:33:22 AM
glenium$25.00$25.002/10/2010 9:58:12 AM
MrPie$25.00$25.002/10/2010 10:24:17 AM
nickel-pipeline$25.00$25.002/10/2010 10:32:01 AM
Astyanax$30.00$30.002/10/2010 2:33:53 PM
dcm6276$25.00$25.002/10/2010 3:46:56 PM
Techne_Funds_LLC$25.00$25.002/10/2010 3:57:57 PM
moonshadow10$50.00$50.002/10/2010 4:29:31 PM
PatriotKnight$50.00$50.002/10/2010 4:36:33 PM
bank-of-lomax$80.00$80.002/10/2010 7:04:50 PM
new-truth-chuckler$34.11$34.112/10/2010 7:32:05 PM
wise-courageous-social$50.00$50.002/10/2010 6:12:32 PM
DasMula$50.00$50.002/11/2010 1:44:05 AM
Peterman$25.00$25.002/6/2010 1:54:02 PM
Lender_1972$25.00$25.002/6/2010 2:38:17 PM
squarebob$25.00$25.002/7/2010 1:36:55 PM
rustysailor$25.00$25.002/7/2010 10:56:39 PM
Credit4Talent$30.93$30.932/8/2010 3:52:06 PM
selector568$150.00$150.002/8/2010 7:27:15 PM
fairness-atmosphere$48.98$48.982/9/2010 8:02:12 AM
Iceman1347$25.00$25.002/9/2010 9:27:58 AM
Runegeld$50.00$50.002/9/2010 3:21:21 PM
Investor704$50.00$50.002/9/2010 6:27:12 PM
bold-dynamic-silver$25.00$25.002/10/2010 6:07:02 AM
j5505$118.00$118.002/10/2010 6:00:43 AM
value-crusader5$25.64$25.642/10/2010 7:02:15 AM
klemer$25.00$25.002/10/2010 8:15:02 AM
payout-comet$35.00$35.002/10/2010 8:17:44 AM
FinanceEngine$25.00$25.002/10/2010 8:44:06 AM
credit-coach118$45.00$45.002/10/2010 1:30:55 PM
good4loan$25.00$25.002/10/2010 2:53:04 PM
piter-to-la-investment$25.00$25.002/10/2010 4:13:15 PM
revenue-appraiser$25.00$25.002/10/2010 3:41:14 PM
aschac05$25.00$25.002/10/2010 4:03:33 PM
niq4soccer$25.00$25.002/10/2010 4:28:31 PM
Champion_Lending$25.00$25.002/10/2010 4:31:46 PM
ddoneday$29.00$29.002/10/2010 6:42:07 PM
realtormoises$25.00$25.002/10/2010 5:12:06 PM
Ronnieboy888$50.00$50.002/10/2010 9:39:40 PM
LuvToLend$25.00$25.002/10/2010 11:02:33 PM
glazeddonuts$27.03$27.032/10/2010 8:19:08 PM
Land_on_your_feet$30.00$30.002/10/2010 8:56:47 PM
RKLFinancial$97.30$97.302/10/2010 11:09:45 PM
markandrosie$27.14$27.142/10/2010 6:57:45 PM
fenix692$50.00$50.002/10/2010 9:37:56 PM
PalmerTheEmbalmer$34.00$34.002/11/2010 12:40:49 AM
59 bids
 
Borrower Payment Dependent Notes Series 446026
This series of Notes was issued and sold upon the funding of the borrower loan #40896, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-10-2010 
 
Starting lender yield: 30.24% Starting borrower rate/APR: 31.24% / 33.64% Starting monthly payment: $215.67
Final lender yield: 26.25% Final borrower rate/APR: 27.25% / 29.59% Final monthly payment: $204.80
 
Auction yield range: 11.06% - 30.24% Estimated loss impact: 10.65%  
Lender servicing fee: 1.00% Estimated return: 15.60%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1989 Debt/Income ratio: 17%
Basic (1-10): 6 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 11 / 11Length of status:11y 0m
Credit score: 700-719 (Feb-2010) Total credit lines: 23 Occupation: Civil Service
Now delinquent: 4 Revolving credit balance: $10,981Stated income:$75,000-$99,999
Amount delinquent: $22,754 Bankcard utilization: 40%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 25    
Screen name: bazaar-attraction6 Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to?
pay offcredit card loans
My financial situation:
I am a good candidate for this loan because? Because I receive a monthly disability check of 1218.00 a month on top of regular salary
Monthly net income: $
6800
Monthly expenses: $
??Housing: $ 1100
??Insurance: $ 77
??Car expenses: $?400
??Utilities: $ 280
??Phone, cable, internet: $ 210
??Food, entertainment: $?300
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 600
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
social-conductor4$25.00$25.002/8/2010 6:21:04 PM
jtodd37$25.00$25.002/8/2010 6:20:32 PM
brother_tam$50.00$50.002/8/2010 6:22:21 PM
Kaj$25.00$25.002/8/2010 6:25:25 PM
desertoasis$25.00$25.002/8/2010 6:31:38 PM
WindyKid$25.00$25.002/8/2010 6:45:45 PM
falcon88dp$25.00$25.002/8/2010 7:00:42 PM
AF-Chief$28.00$28.002/8/2010 7:00:54 PM
zippy-interest$25.00$25.002/8/2010 7:01:04 PM
GatorBux$25.00$25.002/8/2010 7:01:38 PM
WalnutCreekguy$25.00$25.002/8/2010 7:01:54 PM
PatRichi$25.00$25.002/8/2010 7:02:23 PM
papaloha$50.00$50.002/8/2010 7:02:26 PM
apeloans$25.00$25.002/8/2010 7:02:44 PM
Shepherd7$25.00$25.002/8/2010 7:02:52 PM
Rattlehead$25.00$25.002/8/2010 7:00:56 PM
nourishing-hope835$25.00$25.002/8/2010 7:01:18 PM
natural-greenback6$25.00$25.002/8/2010 7:01:21 PM
loan-master996$50.00$50.002/8/2010 7:04:23 PM
industrious-dedication$25.00$25.002/8/2010 7:01:50 PM
kmr2$100.00$100.002/8/2010 7:02:01 PM
gciarami$25.00$25.002/8/2010 7:05:09 PM
wampum-proton$25.00$25.002/8/2010 7:02:14 PM
Wellman$100.00$100.002/8/2010 7:01:14 PM
BankME$25.00$25.002/8/2010 7:05:12 PM
circuitfive$25.00$25.002/8/2010 7:02:33 PM
benefit-squirrel$25.00$25.002/8/2010 7:02:46 PM
hope-equation$50.00$50.002/8/2010 7:05:43 PM
bountiful-bazaar$25.00$25.002/8/2010 7:03:01 PM
delicious-social132$25.00$25.002/8/2010 7:03:07 PM
WBB21$25.00$25.002/8/2010 7:05:54 PM
p123$25.00$25.002/8/2010 7:06:21 PM
intrepid-transaction5$25.00$25.002/8/2010 7:03:49 PM
DRA-Properties$25.00$25.002/8/2010 7:04:00 PM
secobarbital$25.00$25.002/8/2010 7:04:17 PM
blooming-dedication$50.00$50.002/8/2010 7:06:58 PM
exact-loan5$30.00$30.002/8/2010 7:04:26 PM
time4aloan$30.00$30.002/8/2010 7:03:21 PM
Zolton$200.00$200.002/8/2010 7:07:07 PM
Geldmeister$25.00$25.002/8/2010 7:04:30 PM
merriewold$25.00$25.002/8/2010 7:03:31 PM
kindness-percolator5$25.00$25.002/8/2010 7:04:58 PM
junctionking$25.00$25.002/8/2010 7:03:43 PM
dedicated-diversification5$100.00$100.002/8/2010 7:07:37 PM
Turtlebear44$25.00$25.002/8/2010 7:07:41 PM
Interstate_Rate$250.00$250.002/8/2010 7:08:44 PM
elegant-loot$25.00$25.002/8/2010 7:06:08 PM
gavinfh$25.00$25.002/8/2010 7:04:47 PM
selfmademan$25.00$25.002/8/2010 7:05:06 PM
VBAces$25.00$25.002/8/2010 7:06:33 PM
kirklandrealtor$30.00$30.002/8/2010 7:09:44 PM
tsquared_030$25.00$25.002/8/2010 7:07:04 PM
GrooveBiz$50.00$50.002/8/2010 7:10:15 PM
fairhelper$25.00$25.002/8/2010 7:10:26 PM
honorable-yield$35.00$35.002/8/2010 7:07:48 PM
value-pole$25.00$25.002/8/2010 7:06:36 PM
CarDealer3070$30.00$30.002/8/2010 7:08:12 PM
gizzywump$25.00$25.002/8/2010 7:08:35 PM
elevated-platinum5$25.00$25.002/8/2010 7:07:17 PM
sharpchicago$25.00$25.002/8/2010 7:09:02 PM
lloyd_s$25.00$25.002/8/2010 7:07:31 PM
important-ore$50.00$50.002/8/2010 7:09:23 PM
radforj22$25.00$25.002/8/2010 7:07:53 PM
asiaratt$100.00$100.002/8/2010 7:07:58 PM
rooosta$25.00$25.002/8/2010 7:08:13 PM
InChicago$25.00$25.002/8/2010 7:13:12 PM
skuba$25.00$25.002/8/2010 7:09:50 PM
georgethesir$25.00$25.002/8/2010 7:08:23 PM
tisgro$25.00$25.002/8/2010 7:10:23 PM
Sam65$25.00$25.002/8/2010 7:08:57 PM
poeman$25.00$25.002/8/2010 7:09:10 PM
kidsskipp$25.00$25.002/8/2010 7:10:04 PM
UCLA4life$25.00$25.002/9/2010 12:50:04 AM
LuvToLend$25.00$25.002/9/2010 4:05:44 AM
wanna-help$25.00$25.002/9/2010 7:17:32 AM
rosario1$25.00$25.002/8/2010 6:31:35 PM
famous-bill$25.00$25.002/8/2010 6:28:32 PM
oldmora$50.00$50.002/8/2010 6:29:47 PM
seisen$50.00$50.002/8/2010 6:29:44 PM
yeti888$25.00$25.002/8/2010 6:29:55 PM
treasure-bliss$100.00$100.002/8/2010 6:30:02 PM
orange-preeminant-bill$100.00$100.002/8/2010 6:30:11 PM
autonomous-basis$25.00$25.002/8/2010 6:35:49 PM
worldly-gold$25.00$25.002/8/2010 6:36:30 PM
integrity-doctor$50.00$50.002/8/2010 6:47:06 PM
rock-turner$50.00$50.002/8/2010 7:01:27 PM
delivery$25.00$25.002/8/2010 7:03:20 PM
ingenious-deal6$25.00$25.002/8/2010 7:03:27 PM
purdue98$25.00$25.002/8/2010 7:03:39 PM
orange-vigilance-shower$25.00$25.002/8/2010 7:04:02 PM
mtquan$25.00$25.002/8/2010 7:01:12 PM
mizon291$50.00$50.002/8/2010 7:00:32 PM
michael573114$25.00$25.002/8/2010 7:00:48 PM
bowdish1$50.00$50.002/8/2010 7:05:16 PM
zipemdown$25.00$25.002/8/2010 7:01:33 PM
NorthernFunds$25.00$25.002/8/2010 7:02:00 PM
happyaric$100.00$100.002/8/2010 7:02:41 PM
GElender$25.00$25.002/8/2010 7:04:09 PM
personal-lender$25.00$25.002/8/2010 7:06:47 PM
theprince$25.00$25.002/8/2010 7:04:33 PM
djames82$25.00$25.002/8/2010 7:07:50 PM
steves73$25.00$25.002/8/2010 7:03:58 PM
Purposeful$25.00$25.002/8/2010 7:08:18 PM
jonbozeman$25.00$25.002/8/2010 7:05:39 PM
oaktown23$50.00$50.002/8/2010 7:04:45 PM
balance-hercules$100.00$100.002/8/2010 7:04:51 PM
screenname03$25.00$25.002/8/2010 7:09:01 PM
sms0106$25.00$25.002/8/2010 7:09:12 PM
wise-extraordinary-loot$25.00$25.002/8/2010 7:06:28 PM
balance6$25.00$25.002/8/2010 7:09:28 PM
Cai8899$30.00$30.002/8/2010 7:05:26 PM
KgBsUcKa$25.00$25.002/8/2010 7:09:42 PM
nourishing-interest0$25.00$25.002/8/2010 7:05:49 PM
impeccable-transparency$50.00$50.002/8/2010 7:07:13 PM
ADSFL05$25.00$25.002/8/2010 7:10:14 PM
beatmix01$25.00$25.002/8/2010 7:06:00 PM
TheYellowDart$25.00$25.002/8/2010 7:06:02 PM
Q9-X3$25.00$25.002/8/2010 7:10:18 PM
the-aggresive-principal$25.00$25.002/8/2010 7:06:14 PM
orange-courageous-dedication$30.00$30.002/8/2010 7:06:50 PM
AF_Trust$25.00$25.002/8/2010 7:07:25 PM
thestartuplender$35.00$35.002/8/2010 7:07:26 PM
creditasaurus9$25.00$25.002/8/2010 7:09:19 PM
momoney2lend$25.00$25.002/8/2010 7:09:21 PM
friendly-worth3$25.00$25.002/8/2010 7:09:33 PM
fareast_man$25.00$25.002/8/2010 7:09:45 PM
Msbutterfly$25.00$25.002/8/2010 7:09:59 PM
Speculator$50.00$50.002/8/2010 7:08:28 PM
cmlmiami$100.00$100.002/8/2010 7:10:09 PM
ThisGuyIKnow$50.00$50.002/8/2010 7:08:40 PM
entrelender$25.00$22.002/8/2010 7:10:29 PM
Cre8iveCash$25.00$25.002/8/2010 7:08:53 PM
bre56$25.00$25.002/8/2010 7:09:58 PM
dollardave$100.00$100.002/8/2010 7:13:47 PM
Bob450$25.00$25.002/8/2010 8:24:32 PM
135 bids
 
Borrower Payment Dependent Notes Series 446028
This series of Notes was issued and sold upon the funding of the borrower loan #40905, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $12,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-09-2010 
  Auction end date:  Feb-16-2010 
 
Starting lender yield: 10.25% Starting borrower rate/APR: 11.25% / 13.37% Starting monthly payment: $394.29
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $388.33
 
Auction yield range: 4.06% - 10.25% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Mar-1993 Debt/Income ratio: 16%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 7 / 5Length of status:2y 1m
Credit score: 740-759 (Feb-2010) Total credit lines: 13 Occupation: Analyst
Now delinquent: 0 Revolving credit balance: $10,587Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 22%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: AnimalZero9 Borrower's state: California Borrower's group: 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY group
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 2 On-time: 40 ( 100% ) 740-759 (Latest)
Principal borrowed: $12,500.00< mo. late: 0 ( 0% )  
720-739 (Feb-2008)
640-659 (Sep-2006)
640-659 (Jul-2006)
 
Principal balance: $2,089.34 1+ mo. late: 0 ( 0% )
Total payments billed: 40  
Description
Consolidating Auto & Prosper Loan..
Why I am a good candidate:
This will be my 3rd listing for a loan on Prosper.com - The first one was for college expenses in 2006, I believe, at the time my interest rate was 23%...? About 18 months later, because of continued credit history I paid down the original loan and opened up a new one which is now currently open at 10.15%... I have not missed a payment in what is probably roughly 36-40 months combining the two.

I work in wealth management for a global firm located in the Financial District of San Francisco. Although I am in the banking world, I appreciate the value of Prosper and peer-to-peer lending. I consider myself a very safe investment given the fact that this monthly payment will only be roughly 6-8% of my monthly income. Since managing other's money is my occupation, it goes without saying, I will manage my own strongly, as well.

What the loan is for:
I am looking to consolidate two loans into one Prosper loan. I have roughly $2100 remaining on my second Prosper loan (again 17 of 17 on-time payments) and would like to pay the remainder of that using this loan. I also have a?balance transfer from a credit card as my?auto loan and about $10,200 remains to be paid. As I mentioned, I am a safe loan to invest in, my credit history just on this site speaks for itself. The chance of this loan lasting 36 months is also very slim as I will most likely be paying double the monthly amount right from month one.

Details on my credit:
I pay my credit cards 'in full' on a monthly basis. The only reason I have a revolving balance is because the auto loan I speak of above is on a no-interest credit card that remains to be paid. The interest rate has now reverted to the upper-teens,?I certainly could afford to keep it on there going forward, however, I'd rather have simple consolidated payments. Other than that I have no remaining student loans or long-term liabilities. If this loan were to be funded I would have $400-800 in monthly credit card debt, rent, and living expenses. Because of my budget, I actually put away roughly 6% of my income in a Roth 401k, and another 10-20% month in savings vehicles. Again, I cannot emphasize how secure I am as a trustworthy borrower.

I appreciate your investing in me and I assure you this is a great way to get some good return from a?strong borrower. Please message me with any questions.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
hons2000$25.00$25.002/9/2010 4:06:53 PM
honorable-yield$50.00$50.002/9/2010 4:08:34 PM
reward-walnut$25.00$25.002/9/2010 4:10:48 PM
derec$25.00$25.002/9/2010 4:10:54 PM
inkplj$45.98$45.982/9/2010 4:14:23 PM
selector568$300.00$300.002/9/2010 4:18:02 PM
skydiver111$25.00$25.002/9/2010 4:16:09 PM
rock-turner$100.00$100.002/9/2010 4:17:14 PM
mistertao$25.00$25.002/9/2010 4:17:22 PM
unk1911$25.00$25.002/9/2010 4:18:44 PM
rpatusa$25.00$25.002/9/2010 4:20:57 PM
riproaringrapids$25.00$25.002/9/2010 4:20:00 PM
Msbutterfly$25.00$25.002/9/2010 4:21:03 PM
egw$25.00$25.002/9/2010 4:22:11 PM
supreme-bonus0$25.00$25.002/9/2010 4:22:31 PM
reflective-cash0$100.00$100.002/9/2010 4:24:17 PM
PocketAces$25.00$25.002/9/2010 4:25:11 PM
nodrivelpls$25.00$25.002/9/2010 4:30:18 PM
Auburnmist$25.00$25.002/9/2010 4:27:50 PM
julijask$35.00$35.002/9/2010 4:27:04 PM
TennSquire$25.00$25.002/9/2010 4:30:38 PM
divemaster$25.00$25.002/9/2010 4:29:00 PM
hrubinst$25.00$25.002/9/2010 4:29:27 PM
bold-bright-currency$25.00$25.002/9/2010 4:31:34 PM
friendly-worth3$25.00$25.002/9/2010 4:31:45 PM
worthy-bid4$25.00$25.002/9/2010 4:29:48 PM
platinum-platoon$25.00$25.002/9/2010 4:31:50 PM
kulender$25.00$25.002/9/2010 4:29:55 PM
benefit-squirrel$30.00$30.002/9/2010 4:32:03 PM
BigMoney56$25.00$25.002/9/2010 4:30:21 PM
value-pole$25.00$25.002/9/2010 4:32:29 PM
currency-agave$25.00$25.002/9/2010 4:30:56 PM
jga516$25.00$25.002/9/2010 4:29:39 PM
wampum-reaction2$25.00$25.002/9/2010 4:31:01 PM
progressive-asset$100.00$100.002/9/2010 4:31:16 PM
theprince$25.00$25.002/9/2010 4:30:01 PM
mathprof$25.00$25.002/9/2010 4:30:17 PM
delicious-social132$25.00$25.002/9/2010 4:33:39 PM
Speculator$50.00$50.002/9/2010 4:33:43 PM
Cai8899$50.00$50.002/9/2010 4:33:57 PM
orgy63$25.00$25.002/9/2010 4:31:07 PM
rooosta$25.00$25.002/9/2010 4:32:40 PM
auction-turbine4$25.00$25.002/9/2010 4:31:56 PM
orange-courageous-dedication$30.00$30.002/9/2010 4:32:07 PM
important-ore$50.00$50.002/9/2010 4:33:54 PM
the-profit-oracle$25.00$25.002/9/2010 4:32:56 PM
restech$25.00$25.002/9/2010 4:34:48 PM
Sam65$25.00$25.002/9/2010 4:34:54 PM
wayman$50.00$50.002/9/2010 4:36:42 PM
NorthernFunds$25.00$25.002/9/2010 4:33:50 PM
hitsman$50.00$50.002/9/2010 4:36:51 PM
elevated-platinum5$50.00$50.002/9/2010 4:34:04 PM
wonderful-return5$25.00$25.002/9/2010 4:37:41 PM
loan-warrior$25.00$25.002/9/2010 4:35:19 PM
The-CAPS-fan$30.00$30.002/9/2010 4:38:06 PM
Pizza-man$50.00$50.002/9/2010 4:36:28 PM
jrbill1998$50.00$50.002/9/2010 4:35:41 PM
gjh37$25.00$25.002/9/2010 4:39:31 PM
gulch$25.00$25.002/9/2010 4:37:37 PM
djindepth$25.00$25.002/9/2010 4:39:44 PM
Prosp_Lender$50.00$50.002/9/2010 4:37:44 PM
dmfog$25.00$25.002/9/2010 4:37:51 PM
Maalot20$25.00$25.002/9/2010 4:40:08 PM
Katahdin$25.00$25.002/9/2010 4:40:17 PM
brazilofmux$100.00$100.002/9/2010 4:37:07 PM
commerce-web5$25.00$25.002/9/2010 4:37:24 PM
ThomasCrown$30.00$30.002/9/2010 4:38:24 PM
BigBoy2008$25.00$25.002/9/2010 4:40:51 PM
crazycool$25.00$25.002/9/2010 4:37:56 PM
commitment-forte6$25.00$25.002/9/2010 4:38:01 PM
tom48l$25.00$25.002/9/2010 4:38:31 PM
Clambake$50.00$50.002/9/2010 4:38:12 PM
bowdish1$100.00$100.002/9/2010 4:38:46 PM
Aimvest$25.00$25.002/9/2010 4:41:23 PM
reward-adventure$25.00$25.002/9/2010 4:38:37 PM
cpaphoto$25.00$25.002/9/2010 4:39:00 PM
tntbuzz$25.00$25.002/9/2010 4:39:21 PM
tennispt$25.00$25.002/9/2010 4:39:26 PM
seangw83$25.00$25.002/9/2010 4:40:04 PM
Trimalchio12$25.00$25.002/9/2010 4:40:31 PM
selfmademan$25.00$25.002/9/2010 4:40:35 PM
kaiger$25.00$25.002/9/2010 4:41:11 PM
zippy-interest$25.00$25.002/9/2010 4:41:14 PM
peaceful-return2$25.00$25.002/9/2010 4:40:58 PM
emelia$25.00$25.002/9/2010 4:41:31 PM
helpinghand75$25.00$25.002/9/2010 4:41:52 PM
one-midas$25.00$25.002/9/2010 4:41:17 PM
red-undaunted-kindness$100.00$72.172/9/2010 4:42:05 PM
community-broadcaster$25.00$25.002/9/2010 4:41:40 PM
friendly-market5$25.00$25.002/9/2010 4:41:43 PM
Avala$50.00$50.002/9/2010 4:41:47 PM
heng2x$25.00$25.002/9/2010 4:41:58 PM
rdrloan$25.00$25.002/9/2010 4:51:18 PM
wwwUniversal$25.00$25.002/9/2010 7:12:13 PM
BrighterSuns$25.00$25.002/9/2010 6:35:53 PM
interstellar$46.70$46.702/9/2010 7:10:33 PM
allbalooboy2$25.00$25.002/9/2010 10:35:44 PM
tisiphone$25.00$25.002/10/2010 11:20:39 AM
Finspons$50.00$50.002/10/2010 8:48:01 AM
SCD$25.00$25.002/10/2010 5:19:30 PM
Lilred7879$50.00$50.002/11/2010 11:48:43 AM
420limo$30.00$30.002/11/2010 1:14:31 PM
skeebuzz$80.00$80.002/11/2010 7:02:47 PM
Moneypenny6$25.00$25.002/11/2010 9:02:01 PM
Havnfun$25.00$25.002/12/2010 7:20:34 AM
moneytolend72$50.00$50.002/12/2010 7:10:57 AM
ScottFinance$25.00$25.002/12/2010 8:28:03 AM
Easystreet$25.00$25.002/12/2010 10:54:50 AM
SS123$25.00$25.002/12/2010 3:49:52 PM
jonn834$25.00$25.002/12/2010 11:48:14 AM
wicada$28.92$28.922/13/2010 8:00:56 AM
pjnala1$50.00$50.002/12/2010 7:12:54 PM
northern_paddler$25.00$25.002/12/2010 10:12:54 PM
ski1965$25.00$25.002/13/2010 11:55:12 AM
1SteelerFan$30.00$30.002/13/2010 11:51:20 AM
Dollars4Rent$25.00$25.002/14/2010 8:26:51 AM
clemclan$30.00$30.002/14/2010 6:23:48 PM
preventivepestcontrol$75.00$75.002/14/2010 11:06:26 PM
famous-marketplace9$50.00$50.002/15/2010 1:26:31 PM
justice-hawk$30.00$30.002/15/2010 9:55:09 AM
MARSTUN$50.00$50.002/15/2010 4:21:02 PM
credit-panda1$50.00$50.002/15/2010 11:56:26 AM
chanee83$50.00$50.002/15/2010 5:59:56 PM
forthright-trade$25.00$25.002/15/2010 6:18:45 PM
currency-revolutionary$50.00$50.002/15/2010 12:44:05 PM
greenback-floret$50.00$50.002/15/2010 12:46:15 PM
bankofmay$25.00$25.002/15/2010 8:50:31 PM
jybank$50.00$50.002/15/2010 9:26:24 PM
best-generosity-financier$25.00$25.002/15/2010 3:28:01 PM
The-CAPS-fan$25.00$25.002/16/2010 6:55:17 AM
kalihan42$25.00$25.002/15/2010 4:48:05 PM
amlu1988$25.00$25.002/16/2010 7:55:08 AM
stockpicker_jboy$25.00$25.002/16/2010 8:42:54 AM
Sofar$25.00$25.002/15/2010 7:14:09 PM
hidavehi$65.00$65.002/15/2010 8:00:31 PM
techreseller$50.00$50.002/16/2010 6:45:17 AM
Lender50$25.00$25.002/16/2010 6:48:49 AM
liberty-grizzly$100.00$100.002/16/2010 8:49:06 AM
soular21804$25.00$25.002/16/2010 8:57:44 AM
ore-dojo$25.00$25.002/16/2010 9:22:38 AM
icon7$35.00$35.002/16/2010 12:46:05 PM
gere-co$25.00$25.002/16/2010 11:02:40 AM
favorite-commerce$25.00$25.002/16/2010 1:19:24 PM
souperrich$25.00$25.002/9/2010 4:07:34 PM
wise-silver-wonder$50.00$50.002/9/2010 4:11:32 PM
BabyLender$25.00$25.002/9/2010 4:10:41 PM
TCR3$25.00$25.002/9/2010 4:14:43 PM
sophisticated-ore$200.00$200.002/9/2010 4:15:49 PM
skuba$25.00$25.002/9/2010 4:18:58 PM
the-aggresive-principal$25.00$25.002/9/2010 4:19:53 PM
user1010$25.00$25.002/9/2010 4:21:00 PM
radforj22$25.00$25.002/9/2010 4:22:03 PM
supreme-hope$25.00$25.002/9/2010 4:23:59 PM
calm-deal7$25.00$25.002/9/2010 4:24:43 PM
red-favorable-basis$25.00$25.002/9/2010 4:23:51 PM
availableloan$25.00$25.002/9/2010 4:22:43 PM
Syzygy$25.00$25.002/9/2010 4:23:02 PM
thedoctor$90.00$90.002/9/2010 4:23:08 PM
flexible-value$25.00$25.002/9/2010 4:24:06 PM
inspired-contract9$25.00$25.002/9/2010 4:24:50 PM
AF-Chief$28.00$28.002/9/2010 4:28:15 PM
peso-colonel$90.00$90.002/9/2010 4:28:24 PM
OCedHrt$25.00$25.002/9/2010 4:25:27 PM
natural-greenback6$25.00$25.002/9/2010 4:25:32 PM
fishintime$25.00$25.002/9/2010 4:25:39 PM
Rick7925$25.00$25.002/9/2010 4:29:19 PM
zento$25.00$25.002/9/2010 4:25:58 PM
noble-revenue$50.00$50.002/9/2010 4:27:08 PM
anton$250.00$250.002/9/2010 4:26:13 PM
Supernick$25.00$25.002/9/2010 4:27:52 PM
social-conductor4$25.00$25.002/9/2010 4:30:24 PM
Hokiemon$75.00$75.002/9/2010 4:27:45 PM
LiquidLender$25.00$25.002/9/2010 4:31:10 PM
commerce-voyager$25.00$25.002/9/2010 4:29:43 PM
mikeandcat$50.00$50.002/9/2010 4:29:50 PM
kindness-percolator5$25.00$25.002/9/2010 4:30:05 PM
Kaj$25.00$25.002/9/2010 4:32:17 PM
LandE2BG$25.00$25.002/9/2010 4:30:29 PM
macjp123$25.00$25.002/9/2010 4:30:33 PM
lending-bear$50.00$50.002/9/2010 4:29:33 PM
niskyfranchise$25.00$25.002/9/2010 4:31:42 PM
cvfriend$25.00$25.002/9/2010 4:30:41 PM
nourishing-interest0$25.00$25.002/9/2010 4:30:44 PM
impeccable-transparency$75.00$75.002/9/2010 4:34:12 PM
Banker7371$25.00$25.002/9/2010 4:32:19 PM
lloyd_s$25.00$25.002/9/2010 4:32:23 PM
inspiring-reward$50.00$50.002/9/2010 4:34:29 PM
time4aloan$50.00$50.002/9/2010 4:32:37 PM
balance6$25.00$25.002/9/2010 4:34:33 PM
psztnrw$100.00$100.002/9/2010 4:34:43 PM
life-is-great$25.00$25.002/9/2010 4:31:28 PM
credit-solstice$25.00$25.002/9/2010 4:31:38 PM
mtquan$25.00$25.002/9/2010 4:35:05 PM
MM1207$25.00$25.002/9/2010 4:33:23 PM
kmr2$100.00$100.002/9/2010 4:33:46 PM
personal-lender$25.00$25.002/9/2010 4:32:08 PM
MrDavid$25.00$25.002/9/2010 4:35:30 PM
intrepid-transaction5$25.00$25.002/9/2010 4:34:21 PM
bill-expert$25.00$25.002/9/2010 4:35:56 PM
aurorafinancial$50.00$50.002/9/2010 4:34:35 PM
rlrcstr$25.00$25.002/9/2010 4:33:04 PM
maldok1$25.00$25.002/9/2010 4:36:01 PM
TeamRamRod$25.00$25.002/9/2010 4:34:40 PM
Q9-X3$25.00$25.002/9/2010 4:34:44 PM
felicity-synapse$25.00$25.002/9/2010 4:36:18 PM
loan-master996$50.00$50.002/9/2010 4:35:11 PM
klinebarger$25.00$25.002/9/2010 4:36:58 PM
peerlender$30.00$30.002/9/2010 4:37:14 PM
kanakakm$25.00$25.002/9/2010 4:35:36 PM
GElender$50.00$50.002/9/2010 4:34:22 PM
keeks$25.00$25.002/9/2010 4:34:50 PM
paymentologist$25.00$25.002/9/2010 4:36:10 PM
dollar-birdie$25.00$25.002/9/2010 4:35:23 PM
integrity-doctor$50.00$50.002/9/2010 4:35:29 PM
xstreamin$25.00$25.002/9/2010 4:38:20 PM
E_G$30.00$30.002/9/2010 4:36:33 PM
upbeat-investment9$25.00$25.002/9/2010 4:35:46 PM
Carpetkid$25.00$25.002/9/2010 4:38:38 PM
duty-monger$50.00$50.002/9/2010 4:36:52 PM
tedsrfdude$25.00$25.002/9/2010 4:35:50 PM
anders94$25.00$25.002/9/2010 4:38:51 PM
Petite_Rose$25.00$25.002/9/2010 4:39:04 PM
trumpeter5$25.00$25.002/9/2010 4:37:21 PM
punctual-power7$25.00$25.002/9/2010 4:36:24 PM
bchen78875$25.00$25.002/9/2010 4:37:27 PM
credit-kahuna$100.00$100.002/9/2010 4:36:37 PM
bonafide-cash$50.00$50.002/9/2010 4:39:38 PM
aventurer$25.00$25.002/9/2010 4:37:47 PM
larrybird$100.00$100.002/9/2010 4:37:52 PM
flopcat$25.00$25.002/9/2010 4:37:05 PM
scoobiedoo$25.00$25.002/9/2010 4:40:40 PM
hyetech$35.00$35.002/9/2010 4:38:28 PM
Archchancellor$25.00$25.002/9/2010 4:41:09 PM
durability-mad-scientist4$100.00$100.002/9/2010 4:38:10 PM
luckyldy$35.00$35.002/9/2010 4:39:10 PM
newgroom422$25.00$25.002/9/2010 4:39:17 PM
torion$25.00$25.002/9/2010 4:39:50 PM
Ranch88$25.00$25.002/9/2010 4:39:55 PM
cspot$25.00$25.002/9/2010 4:40:25 PM
invest0r$25.00$25.002/9/2010 4:40:28 PM
bnlforever$25.00$25.002/9/2010 4:40:41 PM
harmonious-revenue7$25.00$25.002/9/2010 4:40:46 PM
top-silver-american$25.00$25.002/9/2010 4:41:01 PM
money-maniac$50.00$50.002/9/2010 4:41:29 PM
30Sky$25.00$25.002/9/2010 4:41:06 PM
market-path$50.00$50.002/9/2010 4:41:20 PM
best-deal-banker$25.00$25.002/9/2010 4:41:26 PM
asset-equilibrium0$25.00$25.002/9/2010 4:41:36 PM
currency-oak$25.00$25.002/9/2010 4:41:45 PM
TheoProf$50.00$50.002/9/2010 4:41:50 PM
PRGuyinVA$25.00$25.002/9/2010 4:42:02 PM
first-fund-empenada$25.00$25.002/9/2010 4:46:47 PM
dbanwart$25.00$25.002/9/2010 5:05:09 PM
SOP_Bank$25.00$25.002/9/2010 6:55:07 PM
wwwUniversal$25.00$25.002/9/2010 7:12:14 PM
dontscrewmeover1$25.00$25.002/10/2010 7:04:02 AM
Aberdeen$300.00$300.002/10/2010 11:21:14 AM
rmpedi33$200.00$200.002/10/2010 1:15:38 PM
lender12345$25.00$25.002/10/2010 6:25:53 PM
jetblack$50.00$50.002/11/2010 5:10:31 AM
dbanwart$25.00$25.002/11/2010 12:20:41 PM
George2384$25.00$25.002/11/2010 1:27:43 PM
MoneyTree79$72.89$72.892/12/2010 9:20:22 AM
generous-deal6$30.00$30.002/11/2010 10:08:05 PM
Tuss12$100.00$100.002/12/2010 11:36:25 AM
Firescreek$37.50$37.502/12/2010 6:38:04 AM
RandyL3$36.00$36.002/13/2010 2:35:52 PM
manuvns$25.00$25.002/14/2010 4:12:23 PM
Jamahl$30.00$30.002/14/2010 9:12:47 AM
MONEYMIKE83$120.16$120.162/14/2010 2:48:10 PM
PatriotKnight$50.00$50.002/15/2010 3:17:41 PM
adventure0$150.00$150.002/15/2010 8:47:49 PM
Pomedorov$50.00$50.002/15/2010 1:50:14 PM
wealth-safehouse9$25.00$25.002/15/2010 2:03:08 PM
ArmyGuy$25.00$25.002/16/2010 7:14:09 AM
ijspence$25.00$25.002/15/2010 4:21:43 PM
mobius_titan$25.00$25.002/16/2010 7:44:33 AM
webfeet$25.00$25.002/16/2010 8:03:23 AM
invincible-gain$100.00$100.002/15/2010 6:13:35 PM
balance-chestnut$50.00$50.002/15/2010 5:59:59 PM
G-Love$50.67$50.672/15/2010 7:02:22 PM
encore02$100.00$100.002/15/2010 7:13:20 PM
wa_boarder$25.00$25.002/15/2010 7:33:49 PM
Snoopylover$25.00$25.002/16/2010 6:05:30 AM
Gaelicman$150.00$150.002/16/2010 8:01:15 AM
The-Lighthouse-Group$25.00$25.002/16/2010 8:17:15 AM
yield-quest$75.00$75.002/16/2010 8:27:38 AM
rate-hickory$25.00$25.002/16/2010 9:23:50 AM
canterburykid$31.34$31.342/16/2010 10:40:46 AM
Aberdeen$300.00$300.002/16/2010 11:12:53 AM
Svigel$29.67$29.672/16/2010 11:20:24 AM
SanJoser$25.00$25.002/16/2010 10:40:03 AM
gustavholstopus32$25.00$25.002/16/2010 11:47:50 AM
maximizer$25.00$25.002/16/2010 12:29:57 PM
DaddyBill$25.00$25.002/16/2010 12:35:13 PM
jcw3rd$25.00$25.002/16/2010 12:49:03 PM
296 bids
 
Borrower Payment Dependent Notes Series 446178
This series of Notes was issued and sold upon the funding of the borrower loan #40898, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 14.00% Starting borrower rate/APR: 15.00% / 17.17% Starting monthly payment: $104.00
Final lender yield: 12.74% Final borrower rate/APR: 13.74% / 15.89% Final monthly payment: $102.15
 
Auction yield range: 4.06% - 14.00% Estimated loss impact: 2.15%  
Lender servicing fee: 1.00% Estimated return: 10.59%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jun-1996 Debt/Income ratio: Self-employed (DTI Not Calculated)
Basic (1-10): 9 Inquiries last 6m: 2Employment status:Self-employed
Enhanced (1-5):2 Current / open credit lines: 9 / 9Length of status:11y 1m
Credit score: 760-779 (Feb-2010) Total credit lines: 33 Occupation: Accountant/CPA
Now delinquent: 0 Revolving credit balance: $117,168Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 71%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: kind-efficient-credit Borrower's state: Florida Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Bookkeeping/Tax Office- A+ Borrower

Purpose of loan:
I am an accountant. This loan will be used to hire independent contractors during the tax season and expand my bookeeping practice after tax season. My financial situation:
I am a good candidate for this loan because I have been an Accountant?since 1997. I am now running my own?Accounting practice as a sole practitioner. I have?NEVER been late on any payments. ?I am certain the cash flow will come since my business is a recession proof industry.??I am also very conservative by nature and training.

My outstanding debt is

Home Equity Line of Credit: (Remodeled in 2006)
$54,000 +/-

Credit Card:( Start up Capital for Business)
$44,000 +/-

Credit Card: (Car Purchase)
$19,000 +/-



Monthly Expenses:

Mortgage and HELOC?PITI :1,800
Car Payment: 560
Phones:250
Utilities:100
Food:400
Credit Card: 300
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
sshgfwb$25.00$25.002/11/2010 10:22:59 AM
agreement-accruer$25.00$25.002/12/2010 10:28:46 AM
thoughtful-community7$25.00$25.002/12/2010 4:16:19 PM
nina8580$50.00$50.002/13/2010 11:16:04 AM
mhammond$50.00$50.002/14/2010 8:36:45 AM
omahajay$25.00$25.002/14/2010 5:57:37 PM
sirguyon$50.00$50.002/14/2010 2:37:05 PM
tyson789$108.68$108.682/15/2010 11:32:18 AM
FinDoc$25.00$25.002/15/2010 2:26:22 PM
Shanster84$50.00$50.002/15/2010 5:18:22 PM
theaterguy$25.00$25.002/16/2010 9:41:42 AM
preventivepestcontrol$75.00$75.002/16/2010 11:22:24 AM
Ven58$25.00$25.002/16/2010 12:07:25 PM
dalexa1010$41.59$41.592/16/2010 1:10:22 PM
Helping-One-Another$50.00$50.002/16/2010 11:34:10 AM
stu6703$57.88$57.882/16/2010 11:48:06 AM
nevetsnosliw1$25.00$25.002/16/2010 2:19:18 PM
Johnab$25.00$25.002/16/2010 4:58:42 PM
Rulea72$36.78$36.782/16/2010 5:07:02 PM
coldfuzion$50.00$50.002/16/2010 8:42:30 PM
jtc26$44.11$44.112/16/2010 9:16:19 PM
dammage$25.00$25.002/16/2010 8:44:30 PM
shrewd-income$50.00$50.002/16/2010 10:00:06 PM
Lancasterdust$35.00$35.002/17/2010 8:55:20 AM
Sealion$50.00$50.002/17/2010 9:52:54 AM
semi0tical$26.97$26.972/17/2010 10:23:32 AM
Earn_money$26.70$26.702/17/2010 12:43:44 PM
Happyhourcomics$25.00$25.002/17/2010 1:07:29 PM
leverage-monger$25.00$25.002/17/2010 10:19:21 AM
Ven58$25.00$25.002/17/2010 1:42:16 PM
wild-orange$25.00$25.002/17/2010 12:24:28 PM
wonderful-transaction$25.00$25.002/17/2010 11:20:11 AM
credit-missile$50.00$50.002/17/2010 4:03:52 PM
Johnab$25.00$25.002/17/2010 3:12:12 PM
TownsendOrg$75.00$75.002/17/2010 3:33:52 PM
starry2001$25.00$25.002/17/2010 3:55:46 PM
leverage-monger$25.81$25.812/17/2010 3:48:15 PM
Rulea72$30.84$30.842/17/2010 4:01:56 PM
dynrep$50.00$50.002/11/2010 9:27:08 AM
imlosttoo$25.00$25.002/11/2010 9:31:29 AM
Unitas4302$50.00$50.002/13/2010 5:32:35 AM
DirtyJackBoner$50.00$50.002/13/2010 4:27:34 PM
PPLIN810$30.00$30.002/14/2010 6:39:27 PM
gain-dolphin$34.35$34.352/15/2010 10:05:51 AM
371millwood$200.00$200.002/16/2010 9:13:25 AM
btormc5$30.00$30.002/16/2010 6:11:14 AM
gatworx$25.00$25.002/16/2010 9:11:07 AM
leverage-monger$30.00$30.002/16/2010 1:29:45 PM
hawaiitechnical$25.00$25.002/16/2010 7:01:07 PM
gothampark$25.00$25.002/16/2010 5:22:45 PM
reflective-rupee$50.00$50.002/16/2010 6:13:12 PM
reward-dynamo$25.00$25.002/16/2010 7:54:23 PM
bicyclist2270$25.00$25.002/16/2010 5:23:11 PM
eliza11$75.00$75.002/16/2010 9:01:22 PM
maximizer$25.00$25.002/16/2010 10:00:05 PM
bonus-quark4$25.00$25.002/17/2010 6:41:14 AM
lepolgr$50.00$50.002/16/2010 8:23:31 PM
elloboverde$50.00$50.002/16/2010 11:07:20 PM
myduck$75.00$75.002/17/2010 8:47:44 AM
liberty-gravity$25.00$25.002/17/2010 10:05:44 AM
78$25.00$25.002/17/2010 11:21:05 AM
CSAworker$25.00$25.002/17/2010 10:19:04 AM
mpatrick$25.00$25.002/17/2010 3:08:09 PM
himanshuko$40.00$40.002/17/2010 3:30:24 PM
jcw3rd$25.00$25.002/17/2010 1:41:44 PM
xchach1ng$25.00$25.002/17/2010 3:39:23 PM
dblaz5$500.00$56.082/17/2010 3:57:52 PM
fairness-swashbuckler$59.14$59.142/17/2010 3:59:40 PM
gustavholstopus32$25.00$25.002/17/2010 4:01:22 PM
iaviate1$31.07$31.072/17/2010 4:04:10 PM
asya$30.00$30.002/17/2010 12:38:14 PM
shrewd-income$50.00$50.002/17/2010 3:57:21 PM
runbix7$25.00$25.002/17/2010 1:10:19 PM
leverage-burrito$25.00$25.002/17/2010 4:01:35 PM
tlstar14$50.00$50.002/17/2010 4:06:51 PM
Engineer44$25.00$25.002/17/2010 4:08:33 PM
76 bids
 
Borrower Payment Dependent Notes Series 446212
This series of Notes was issued and sold upon the funding of the borrower loan #40906, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,200.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 20.08% Starting borrower rate/APR: 21.08% / 24.23% Starting monthly payment: $45.26
Final lender yield: 18.00% Final borrower rate/APR: 19.00% / 22.12% Final monthly payment: $43.99
 
Auction yield range: 8.06% - 20.08% Estimated loss impact: 6.92%  
Lender servicing fee: 1.00% Estimated return: 11.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-1971 Debt/Income ratio: 25%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 13Length of status:6y 7m
Credit score: 660-679 (Jan-2010) Total credit lines: 53 Occupation: Principal
Now delinquent: 1 Revolving credit balance: $6,326Stated income:$75,000-$99,999
Amount delinquent: $1,024 Bankcard utilization: 83%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 66    
Screen name: newest-tolerant-affluence Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Buy back for retirement
Purpose of loan:
This loan will be used to?buy back 1 1/2 years of withdrawn funds from Georgia Teachers Retirement.? I took out 3 years and the cost to buy them back is 6200.?? I am saving and watching every penny I spend. I should only need the 1,200 requested to have my 6,200 needed to buy back my retirement. When I buy back my retirement, I will be able to help my parents who need assistance. Also, I will be working part time after retirement.

My financial situation:
I am a good candidate for this loan because I will be paying this back in 2010. I only need the amount for a short period of time. My credit score is not as good as it was at one time.? I had a small business that failed and I used personal credit to start the business. I have been working over the past few years to build my credit back up. The lateness and past dues on my credit report are from the failing business. I settled with each of these companies. There is still approximately 1,100 showing as outstanding, but I settled this account in 2005; I have not been able to get this corrected on my credit report as of yet. 2004--2005 was a horrible period of time. I did lose about everything I had due to the failing business. Since this time, I have worked to rebuild my credit. If you choose to bid on my loan request, I guarantee I will not let you down. Thank you.

Monthly net income: $ 4735.00

Monthly expenses: $
??Housing: $ 1600.00
??Insurance: $ 135.00
??Car expenses: $ 720.00????
??Utilities: $ 175.00
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 125.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 165.00
??Other expenses: $ 250.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
wwwUniversal$25.00$25.002/10/2010 5:35:52 PM
Bob450$25.00$25.002/10/2010 8:05:41 PM
kginatl$50.05$50.052/11/2010 1:40:32 PM
credit-shower$50.00$50.002/13/2010 6:40:40 PM
J-Rott$200.00$200.002/14/2010 7:41:46 AM
Little_Tuna_College_Fund$50.00$50.002/14/2010 5:18:29 PM
JCPlending$25.00$25.002/15/2010 8:13:00 AM
planetibet$50.00$50.002/15/2010 1:44:21 PM
slpark$50.00$50.002/16/2010 3:09:03 PM
bchang2001$36.43$36.432/16/2010 8:10:04 PM
bitano$25.00$25.002/17/2010 7:31:15 AM
Taho$25.00$25.002/17/2010 7:42:35 AM
zztopdog$25.00$25.002/17/2010 4:05:54 PM
kinetic-social$25.00$25.002/17/2010 4:07:50 PM
jybank$25.00$25.002/17/2010 4:05:04 PM
ultimate-peace$200.00$200.002/17/2010 4:07:28 PM
SolarMoonshine$25.00$25.002/11/2010 5:23:54 PM
purposeful-dedication$25.00$25.002/12/2010 10:17:10 AM
rustysailor$25.00$25.002/12/2010 4:42:25 PM
Little_Tuna_College_Fund$50.00$50.002/14/2010 5:18:15 PM
IPG1$25.00$1.152/15/2010 10:37:54 AM
GS-ROCK$25.00$25.002/16/2010 7:31:05 AM
ValleyBHC$25.00$25.002/16/2010 2:46:07 PM
ColoradoLender82$25.00$25.002/17/2010 7:57:32 AM
slxvq$57.37$57.372/17/2010 11:58:02 AM
wild-orange$25.00$25.002/17/2010 12:25:59 PM
MrMoneyBags$30.00$30.002/17/2010 3:39:52 PM
27 bids
 
Borrower Payment Dependent Notes Series 446252
This series of Notes was issued and sold upon the funding of the borrower loan #40903, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 0.6% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 6.15% Starting borrower rate/APR: 7.15% / 7.49% Starting monthly payment: $77.36
Final lender yield: 6.05% Final borrower rate/APR: 7.05% / 7.39% Final monthly payment: $77.25
 
Auction yield range: 3.06% - 6.15% Estimated loss impact: 0.60%  
Lender servicing fee: 1.00% Estimated return: 5.45%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2002 Debt/Income ratio: 3%
Basic (1-10): 10 Inquiries last 6m: 3Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 13 / 11Length of status:2y 0m
Credit score: 800-819 (Jan-2010) Total credit lines: 15 Occupation: Executive
Now delinquent: 0 Revolving credit balance: $0Stated income:$100,000+
Amount delinquent: $0 Bankcard utilization: 0%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: wizard750 Borrower's state: Georgia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Reinvesting back into Prosper
Purpose of loan:
This loan will be used to make more loans to Prosper borrowers.I am trying to test out my own lending skills and at this point? I am essentially allowing other bidders to invest into my listing (almost risk-free given my personal financial profile) and will reinvest every dollar back into loans to other Prosper borrowers. Currently I have around 20 loans I have invested in with a 100% success rate.

My financial situation:
I am a good candidate for this loan because I have no debt, have a six figure income, excellent credit, and plenty of collateral in the form of my personal assets and newly issued Prosper loans.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
turbospeed$25.00$25.002/10/2010 4:09:46 PM
iolaire$25.00$25.002/10/2010 4:20:11 PM
F_r_e_d_s__B_a_n_k$100.00$100.002/10/2010 4:39:56 PM
exchange-squirrel$25.00$25.002/11/2010 12:51:55 AM
the-bright-velocity$25.00$25.002/11/2010 7:00:28 AM
amit_gu$60.00$60.002/10/2010 8:08:22 PM
mhotchan$200.00$200.002/11/2010 1:42:45 PM
smarva$25.00$25.002/12/2010 8:32:34 AM
smarva$50.00$50.002/12/2010 7:15:18 AM
axelducheck$25.00$25.002/13/2010 4:06:45 PM
dollars4loan$75.00$75.002/13/2010 12:07:16 PM
Dollars4Rent$25.00$25.002/14/2010 8:44:31 AM
SWayne2000$25.00$25.002/14/2010 7:48:47 AM
blackstar$25.00$25.002/14/2010 6:27:48 PM
Firescreek$37.50$37.502/15/2010 3:45:39 PM
Pappy2$25.00$25.002/15/2010 8:20:42 PM
mhotchan$300.00$300.002/16/2010 12:59:40 PM
dproxima$30.00$30.002/16/2010 5:23:57 PM
jybank$50.00$50.002/16/2010 10:23:21 PM
dollar-sensor$50.00$50.002/17/2010 10:02:28 AM
maplehouse$35.77$35.772/17/2010 6:49:08 AM
njmlaj726$25.00$25.002/17/2010 8:52:32 AM
cwegert$153.57$153.572/17/2010 12:39:19 PM
worth-quark$25.00$25.002/17/2010 3:31:09 PM
Rancid$25.00$25.002/17/2010 3:30:43 PM
StocksMan$50.00$50.002/17/2010 4:08:57 PM
swiftsoul$25.00$25.002/10/2010 4:10:29 PM
cloud8$40.00$40.002/10/2010 4:20:18 PM
thedoctor$90.00$90.002/10/2010 4:21:31 PM
beachfunder$25.00$25.002/10/2010 6:40:14 PM
Chad2Help$25.00$25.002/11/2010 7:51:09 AM
springpanda$25.00$25.002/11/2010 11:38:01 AM
lucrative-worth$25.00$25.002/11/2010 3:55:43 PM
techguy123$50.00$50.002/12/2010 10:41:55 AM
swissbanker$50.00$50.002/12/2010 10:36:40 PM
RandyL3$36.00$36.002/13/2010 2:36:02 PM
soilchem$25.00$25.002/13/2010 7:43:51 PM
Dollars4Rent$25.00$25.002/14/2010 8:44:54 AM
dollardave$30.00$26.372/14/2010 1:51:12 PM
nbah123$50.00$50.002/15/2010 7:36:29 PM
cwegert$30.00$30.002/15/2010 8:38:12 PM
glimmering-credit4$25.00$25.002/15/2010 10:25:39 PM
beachfunder$25.00$25.002/16/2010 8:01:11 AM
mathgod$25.00$25.002/16/2010 6:04:16 PM
cwegert$29.22$29.222/16/2010 5:19:41 PM
UCSBGAUCHOS$25.00$25.002/16/2010 5:04:50 PM
thepillowsack$25.00$25.002/17/2010 5:51:58 AM
webfeet$25.00$25.002/17/2010 6:33:14 AM
arlingtonderek$50.00$50.002/17/2010 7:11:29 AM
kgeezy$59.92$59.922/17/2010 11:51:44 AM
wwwUniversal$25.00$25.002/17/2010 11:20:16 AM
catalystcf$25.00$25.002/17/2010 10:22:15 AM
wild-orange$25.00$25.002/17/2010 12:29:30 PM
enya4ever$46.65$46.652/17/2010 11:08:26 AM
OregonDane$25.00$25.002/17/2010 3:16:25 PM
55 bids
 
Borrower Payment Dependent Notes Series 446754
This series of Notes was issued and sold upon the funding of the borrower loan #40907, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,000.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Feb-17-2010 
  Auction end date:  Feb-18-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $90.47
Final lender yield: 34.00% Final borrower rate/APR: 35.00% / 37.45% Final monthly payment: $90.47
 
Auction yield range: 17.05% - 34.00% Estimated loss impact: 20.01%  
Lender servicing fee: 1.00% Estimated return: 13.99%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Apr-2006 Debt/Income ratio: 23%
Basic (1-10): 5 Inquiries last 6m: 1Employment status:Part-time employee
Enhanced (1-5):1 Current / open credit lines: 2 / 2Length of status:0y 7m
Credit score: 640-659 (Feb-2010) Total credit lines: 4 Occupation: Student - College S...
Now delinquent: 0 Revolving credit balance: $465Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 93%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: OneLifeOneLove Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 22 ( 100% ) 640-659 (Latest)
Principal borrowed: $1,500.00< mo. late: 0 ( 0% )  
620-639 (Apr-2008)
 
Principal balance: $667.43 1+ mo. late: 0 ( 0% )
Total payments billed: 22  
Description
*2nd Loan, Perfect Payment History*
The purpose of this loan is to pay for expenses associated with volunteering in the country of Nepal this summer. This loan will cover airfare and program cost while volunteering at an Elementary School in Nepal teaching English/Art and living with a host family. This is a once in a lifetime opportunity for me to get out and discover the world while being able to give back at the same time. The program length is 5 weeks starting in June 2010.

As you can see by my previous prosper loan I have had a perfect payment history for the first 19 months of creating the 1st loan. I plan on using fund raising and scholarships to pay back the cost of the programs before I actually depart for abroad. This loan will cover the initial cost of airfare and reserving a spot in the program.

Thanks to those who bid on my first listing,
Happy Bidding!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
social-conductor4$25.00$25.002/17/2010 4:12:18 PM
Diamond_Jim$25.00$25.002/17/2010 4:18:03 PM
rock-turner$100.00$100.002/17/2010 4:18:10 PM
tntbuzz$25.00$25.002/17/2010 4:18:30 PM
zone8$100.00$100.002/17/2010 4:18:33 PM
WalnutCreekguy$25.00$25.002/17/2010 4:18:37 PM
BlindJoeDeath$25.00$25.002/17/2010 4:18:45 PM
djc314$25.00$25.002/17/2010 4:18:48 PM
LuvToLend$25.00$25.002/17/2010 4:18:50 PM
indomitable-dedication$25.00$25.002/17/2010 4:18:12 PM
forthright-dedication$25.00$25.002/17/2010 4:18:16 PM
PRGuyinVA$25.00$25.002/17/2010 4:18:34 PM
handy-justice$50.00$50.002/17/2010 4:18:39 PM
reflective-rupee$25.00$25.002/17/2010 4:21:06 PM
reflective-rupee$25.00$25.002/17/2010 4:21:18 PM
reflective-rupee$25.00$25.002/17/2010 4:21:29 PM
falcon88dp$25.00$25.002/17/2010 4:18:14 PM
Orringo$50.00$50.002/17/2010 4:18:17 PM
Soxxes$25.00$25.002/17/2010 4:18:42 PM
kind-efficient-credit$25.00$25.002/17/2010 4:18:44 PM
lucrative-loan$173.53$173.532/17/2010 4:47:08 PM
Bob450$25.00$25.002/17/2010 9:00:53 PM
charming-point$300.00$300.002/18/2010 9:07:58 AM
payout-bridge$150.00$150.002/18/2010 9:10:56 AM
famous-bill$75.00$75.002/17/2010 4:13:24 PM
euro-banker$25.00$25.002/17/2010 4:18:19 PM
Wilvara$25.00$25.002/17/2010 4:18:23 PM
kindness-percolator5$25.00$25.002/17/2010 4:18:27 PM
MM1207$25.00$25.002/17/2010 4:18:31 PM
larrybird$44.46$44.462/17/2010 4:18:40 PM
caprirolito$25.00$25.002/17/2010 4:17:19 PM
time4aloan$25.00$25.002/17/2010 4:18:06 PM
wampum-proton$25.00$25.002/17/2010 4:18:24 PM
scoobiedoo$25.00$25.002/17/2010 4:18:28 PM
Msbutterfly$25.00$25.002/17/2010 4:18:43 PM
lowcostmoney$25.00$25.002/17/2010 4:11:31 PM
reflective-rupee$25.00$25.002/17/2010 4:20:53 PM
kellydawn$25.00$25.002/17/2010 4:18:21 PM
theprince$25.00$25.002/17/2010 4:18:26 PM
note-tent$25.00$25.002/17/2010 4:18:35 PM
flexible-value$25.00$25.002/17/2010 4:18:46 PM
anton$150.00$55.542/17/2010 4:18:55 PM
unk1911$25.00$25.002/17/2010 4:35:51 PM
dynrep$25.00$25.002/17/2010 5:20:16 PM
honorable-yield$25.00$25.002/18/2010 8:45:49 AM
lucrative-loan$26.47$26.472/17/2010 9:29:57 PM
46 bids
 
Borrower Payment Dependent Notes Series 445465
This series of Notes was issued and sold upon the funding of the borrower loan #40890, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: HR Auction Duration: 7 days
Term: 36 months Estimated loss: 18.0% Auction start date:  Feb-04-2010 
  Auction end date:  Feb-11-2010 
 
Starting lender yield: 34.00% Starting borrower rate/APR: 35.00% / 37.45% Starting monthly payment: $113.09
Final lender yield: 31.83% Final borrower rate/APR: 32.83% / 35.25% Final monthly payment: $110.04
 
Auction yield range: 17.06% - 34.00% Estimated loss impact: 19.87%  
Lender servicing fee: 1.00% Estimated return: 11.96%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1991 Debt/Income ratio: 15%
Basic (1-10): 5 Inquiries last 6m: 5Employment status:Full-time employee
Enhanced (1-5):2 Current / open credit lines: 6 / 5Length of status:0y 6m
Credit score: 700-719 (Feb-2010) Total credit lines: 22 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $17,781Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 29%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 1    
Screen name: top-fairness-artist Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Looking To Pay Off My Credit Card
Purpose of loan:
This loan will be used to pay off credit card debt.

My financial situation:
I am a good candidate for this loan because I am employed on a full time basis as a teacher, and am looking to get my credit card debt under control so I can be saving more money and planning for my retirement.

Monthly net income: $3,000

Monthly expenses: $
??Housing: $1299
??Insurance: $90
??Car expenses: $175 (gas)?
??Utilities: $100
??Phone, cable, internet: $150?
??Food, entertainment: $250?
??Clothing, household expenses $
??Credit cards and other loans: $680?

Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q: You have $680 down for credit cards and other loans, but what is the monthly payment on the credit card (s) that you are going to pay off? Thanks. - heritage_loans
A: On average over the last 5 months, the monthly payment for the credit card I want to pay down (AMEX) is a little more than $200. (Feb-05-2010)
1 question & answer
Information in Questions and Answers is not verified
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
reflective-rupee$50.00$50.002/4/2010 9:26:26 PM
dudebrah$25.00$25.002/5/2010 10:43:02 AM
SolarMoonshine$25.00$25.002/5/2010 3:18:15 PM
GyJAV_BNCCo$50.00$50.002/5/2010 3:42:04 PM
larryboy10$25.00$25.002/8/2010 5:55:31 PM
vine99$50.00$50.002/8/2010 7:26:30 PM
cash2lendu$50.00$50.002/8/2010 8:55:32 PM
atomantic$25.00$25.002/8/2010 11:26:00 PM
value-crusader5$25.00$25.002/9/2010 7:37:04 AM
thomas16882004$50.00$50.002/9/2010 5:57:41 PM
eboomer2611$25.00$25.002/10/2010 7:27:16 AM
hglrfdom$25.00$25.002/10/2010 9:54:02 AM
zydeco337$25.00$25.002/10/2010 10:07:10 AM
loss-of-control$25.00$25.002/10/2010 3:48:43 PM
realtormoises$25.00$25.002/10/2010 5:12:39 PM
dorypro$25.00$25.002/10/2010 4:42:56 PM
glenium$25.00$25.002/11/2010 3:20:27 AM
credit-missile$150.00$150.002/10/2010 8:22:32 PM
thomas16882004$52.10$52.102/10/2010 10:53:05 PM
gold-cluster$100.00$100.002/11/2010 6:01:28 AM
double22$50.00$50.002/10/2010 11:33:47 PM
PotBellyPete$50.00$50.002/11/2010 7:00:02 AM
supreme-hope$25.00$25.002/11/2010 11:18:10 AM
Leshan$25.00$25.002/11/2010 8:19:32 AM
wild-orange$25.00$25.002/11/2010 11:21:18 AM
NS_Consult$25.00$25.002/11/2010 2:46:26 PM
lucrative-loan$100.00$100.002/11/2010 12:49:56 PM
red-favorable-basis$25.00$25.002/11/2010 1:43:25 PM
Rip128$50.00$50.002/11/2010 4:21:19 PM
unk1911$25.00$25.002/4/2010 5:40:23 PM
thomas16882004$25.00$25.002/4/2010 5:47:17 PM
reflective-rupee$100.00$100.002/4/2010 9:26:03 PM
reflective-rupee$25.00$25.002/5/2010 2:35:28 PM
five-star-note$100.00$100.002/5/2010 10:00:19 PM
loss-of-control$25.00$25.002/8/2010 5:37:31 PM
nutandhoney$25.00$25.002/8/2010 5:50:49 PM
Mark-M$35.00$35.002/8/2010 6:55:14 PM
gold-cluster$100.00$100.002/9/2010 7:04:40 AM
honorable-yield$25.00$25.002/9/2010 10:27:04 AM
houli123$25.00$25.002/9/2010 5:53:21 PM
DonDiego$25.00$25.002/10/2010 1:20:10 AM
gold-cluster$100.00$100.002/10/2010 2:28:31 PM
LuvToLend$25.00$25.002/10/2010 8:46:48 PM
DasMula$75.00$75.002/11/2010 1:45:05 AM
Ronnieboy888$25.00$25.002/10/2010 9:36:51 PM
quest0$26.67$26.672/11/2010 7:12:02 AM
kevlar$32.34$32.342/10/2010 11:27:42 PM
GreenNotes$36.00$36.002/10/2010 9:21:01 PM
glroark$100.00$100.002/11/2010 6:56:02 AM
himistu22$25.00$25.002/11/2010 3:30:01 AM
Isotope$25.00$25.002/11/2010 7:06:20 AM
toxicbutterfly$25.00$25.002/11/2010 8:46:07 AM
capital-deployment$25.00$25.002/11/2010 11:42:11 AM
Kqwik$30.00$30.002/11/2010 12:30:00 PM
Rip128$50.00$50.002/11/2010 12:37:03 PM
bryantd23$25.00$25.002/11/2010 3:02:43 PM
Silverling6$25.00$25.002/11/2010 3:30:00 PM
Your_Bank$25.00$25.002/11/2010 2:27:08 PM
Bob450$25.00$25.002/11/2010 2:40:26 PM
heritage_loans$26.08$26.082/11/2010 4:41:14 PM
Engineer44$25.00$11.812/11/2010 4:53:35 PM
61 bids
 
Borrower Payment Dependent Notes Series 445511
This series of Notes was issued and sold upon the funding of the borrower loan #40900, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,600.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-04-2010 
  Auction end date:  Feb-11-2010 
 
Starting lender yield: 26.00% Starting borrower rate/APR: 27.00% / 29.43% Starting monthly payment: $65.32
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.39% Final monthly payment: $51.03
 
Auction yield range: 4.06% - 26.00% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1991 Debt/Income ratio: 2%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 3 / 1Length of status:2y 3m
Credit score: 720-739 (Feb-2010) Total credit lines: 33 Occupation: Other
Now delinquent: 0 Revolving credit balance: $39Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 3%  
Public records last 12m / 10y: 1/ 1 Homeownership: No  
Delinquencies in last 7y: 61    
Screen name: dragonshrike Borrower's state: Indiana Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Education for Career Change
Purpose of loan:
This loan will be used to purchase the very best at-home training program and equipment for becoming a Court Reporter, Broadcast Captioner, and/or CART (Communication Assistance Real Time) Provider. This is listed by the US Government as one of the fastest growing job fields over the next decade.

My financial situation:
I am a good candidate for this loan because I am a better borrower than my credit reports can ever show. I currently have only one monthly debt payment, my automobile, and enough disposable income just from my regular job to meet any monthly payment a 3-year, $1,600 loan may incur. Further, I have a cash-only business selling Italian Ice at fairs and markets from May through September with net profit of between $5,000 and $6,000 annually that will subsidize any loan payments I have.

As for any delinquencies and the bankruptcy listed on my credit report they were all due to one cause -- my divorce. I purposely took all the debt incurred during my marraige upon myself, even though I did not have to, so my ex-wife would not have that problem while supporting our two children. I did this knowing that meant eventual bankruptcy. That bankruptcy has been discharged in full. Look deeper and you'll see prior to that 10+ years of 100% on-time payments on all debts -- credit cards, utilities, home mortgage, automobiles, and all others.

Have faith in me and you'll see the rest of my life with 100% on-time payments and any and all Prosper loans I receive will be among the first of those.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
aasx1108$25.00$25.002/4/2010 5:16:53 PM
coin-investor$25.00$25.002/4/2010 5:19:42 PM
ghinga$30.00$30.002/4/2010 5:23:53 PM
stanbalwight4$25.00$25.002/4/2010 5:41:12 PM
rock-turner$50.00$50.002/4/2010 5:44:57 PM
Vegasjim$25.00$25.002/4/2010 6:03:20 PM
highcountry1$25.00$21.002/4/2010 8:19:44 PM
kingston1$25.00$25.002/4/2010 7:50:00 PM
Hexnut$25.00$25.002/4/2010 7:34:24 PM
supreme-hope$25.00$25.002/4/2010 8:14:38 PM
orbiter614$50.00$50.002/5/2010 11:37:54 AM
RochelleW$25.00$25.002/5/2010 10:21:51 PM
PalmerTheEmbalmer$25.00$25.002/6/2010 11:40:14 AM
dollardave$200.00$200.002/8/2010 11:34:27 AM
Ven58$25.00$25.002/8/2010 1:16:16 PM
bejfishing$25.00$25.002/9/2010 9:35:16 AM
tomjac2000$25.00$25.002/9/2010 8:07:04 PM
shrewd-income$50.00$50.002/10/2010 4:04:29 PM
engbusres$34.00$34.002/10/2010 8:35:47 PM
CaliforniaRepublic$25.00$25.002/10/2010 4:51:29 PM
icecoldcash$25.00$25.002/10/2010 8:43:14 PM
truth-trapper$25.00$25.002/10/2010 6:42:58 PM
wild-orange$25.00$25.002/11/2010 11:20:33 AM
Watts518$25.00$25.002/4/2010 4:56:31 PM
WTSherman$25.00$25.002/4/2010 4:56:35 PM
supreme-bonus0$25.00$25.002/4/2010 5:21:58 PM
Havana21$25.00$25.002/4/2010 5:32:02 PM
next2$25.00$25.002/4/2010 6:36:25 PM
GoldenTrout$25.00$25.002/4/2010 6:35:25 PM
nojoke411$25.00$25.002/4/2010 5:45:54 PM
trade-trumpet$25.00$25.002/4/2010 6:44:13 PM
worthy-bid4$25.00$25.002/5/2010 9:10:21 AM
rome1426$25.00$25.002/5/2010 12:24:37 PM
dollardave$100.00$100.002/5/2010 12:46:41 PM
Student_Capital$25.00$25.002/5/2010 2:20:09 PM
jsnryn$25.00$25.002/6/2010 2:33:08 PM
the-profit-oracle$25.00$25.002/7/2010 7:44:02 PM
vine99$65.00$65.002/7/2010 3:54:27 PM
a-shiny-dime$25.00$25.002/8/2010 1:27:09 PM
rome1426$25.00$25.002/8/2010 7:51:05 PM
Leopoldine$25.00$25.002/8/2010 7:36:40 PM
McChan$100.00$100.002/8/2010 9:28:39 PM
GBlack$25.00$25.002/9/2010 9:34:19 AM
wwwUniversal$25.00$25.002/10/2010 5:30:19 PM
Leshan$25.00$25.002/11/2010 8:29:51 AM
MapleLaker$25.00$25.002/11/2010 8:49:48 AM
46 bids
 
Borrower Payment Dependent Notes Series 445547
This series of Notes was issued and sold upon the funding of the borrower loan #40912, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-04-2010 
  Auction end date:  Feb-10-2010 
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $159.93
Final lender yield: 7.35% Final borrower rate/APR: 8.35% / 10.44% Final monthly payment: $157.49
 
Auction yield range: 4.06% - 8.40% Estimated loss impact: 2.11%  
Lender servicing fee: 1.00% Estimated return: 5.24%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1995 Debt/Income ratio: 40%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 7 / 7Length of status:6y 4m
Credit score: 700-719 (Feb-2010) Total credit lines: 24 Occupation: Retail Management
Now delinquent: 0 Revolving credit balance: $32,103Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 61%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: kindness-birch1 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
I will be using this loan to payoff high interest credit cards.

My financial situation:
I am a good candidate for this loan because I have been gainfully employed with the same company for more than 6 years and I will be getting an annual raise within the month and a discretionary increase as well. I have a good track record with regard to my finances, I ran into trouble right after my separation and it took me sometime to steady myself.?Right now I am paying bills in two separate households and holding a full time retail management job and a part time job to make ends meet. I want to pay off two of the three credit cards I have (The other cards are in use by my wife)?and not have to cut it so close every month.?That way I can start building my savings again and eventually get my own place.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
five-star-responsibility0$25.00$25.002/4/2010 4:57:25 PM
GetItRight$25.00$25.002/4/2010 5:03:46 PM
lending_mom$25.00$25.002/4/2010 5:03:54 PM
serene-truth2$25.00$25.002/4/2010 5:04:53 PM
get30inc$50.00$50.002/4/2010 5:05:04 PM
-J$25.00$25.002/4/2010 5:05:15 PM
alverado$59.94$59.942/4/2010 5:05:24 PM
cash-queen$25.00$25.002/4/2010 5:05:31 PM
Norcal$50.00$50.002/4/2010 5:05:40 PM
natmonkey$25.00$25.002/4/2010 5:05:45 PM
dinero-festivity2$50.00$50.002/4/2010 5:05:47 PM
fxsrider$25.00$25.002/4/2010 5:03:49 PM
catomaior$25.00$25.002/4/2010 5:05:59 PM
foxy-vigilance$25.00$25.002/4/2010 5:03:55 PM
lucrative-worth$25.00$25.002/4/2010 5:06:07 PM
InvestmentFreak$35.00$35.002/4/2010 5:06:11 PM
29Palms$25.00$25.002/4/2010 5:06:17 PM
Loyalty8$25.00$25.002/4/2010 5:04:56 PM
Zarf$45.86$45.862/4/2010 5:05:02 PM
peach17$25.00$25.002/4/2010 5:05:06 PM
credit-waterfall2$25.00$25.002/4/2010 5:05:16 PM
Seafirst$35.02$35.022/4/2010 5:05:18 PM
Masterlender$25.00$25.002/4/2010 5:05:23 PM
asset-prescription$25.00$25.002/4/2010 5:05:26 PM
codemonkey7$25.00$25.002/4/2010 5:05:32 PM
Hondo$25.00$25.002/4/2010 5:05:35 PM
NR$25.00$25.002/4/2010 5:05:49 PM
JohnBanks$25.00$25.002/4/2010 5:05:54 PM
_G_$50.00$50.002/4/2010 5:06:02 PM
OldFriend$25.00$25.002/4/2010 5:06:19 PM
trustedfriend$25.00$25.002/4/2010 5:06:27 PM
Taxman44$25.00$25.002/4/2010 5:03:56 PM
FmrEngr2Phd$25.00$25.002/4/2010 5:04:41 PM
shamrocker$25.00$25.002/4/2010 5:05:00 PM
Citizenryan$25.00$25.002/4/2010 5:05:08 PM
shookie_40$25.00$25.002/4/2010 5:05:20 PM
midwestSurfer$25.00$25.002/4/2010 5:05:36 PM
MiniBank998$25.00$25.002/4/2010 5:05:50 PM
circustab$50.00$50.002/4/2010 5:05:55 PM
autonomous-basis$25.00$25.002/4/2010 5:06:04 PM
inventive-wealth2$25.00$25.002/4/2010 5:09:05 PM
silverloan$25.00$25.002/4/2010 5:06:14 PM
km007$25.00$25.002/4/2010 5:06:24 PM
d3global$25.00$25.002/4/2010 5:09:33 PM
bus2340$50.00$50.002/4/2010 5:06:30 PM
jsw7us$50.00$50.002/4/2010 5:14:31 PM
first-upright-payout$50.00$50.002/4/2010 5:14:36 PM
noble-vigilance9$25.00$25.002/4/2010 5:14:26 PM
bill-expert$25.00$25.002/4/2010 5:14:34 PM
intrepid-transaction5$25.00$25.002/4/2010 5:16:44 PM
unclejaef$25.00$25.002/4/2010 5:17:51 PM
credit-superstar3$25.00$25.002/4/2010 5:17:54 PM
cub510$25.00$25.002/4/2010 5:18:02 PM
lean-velocity$25.00$25.002/4/2010 5:12:59 PM
dharma1$25.00$25.002/4/2010 5:16:46 PM
Trimalchio12$25.00$25.002/4/2010 5:16:56 PM
skuba$25.00$25.002/4/2010 5:13:29 PM
bluesky07$25.00$25.002/4/2010 5:17:24 PM
nimble-money0$25.00$25.002/4/2010 5:17:37 PM
jjb3$25.00$25.002/4/2010 5:17:55 PM
kt103099$25.00$25.002/4/2010 5:14:23 PM
MidLifeCrisis$50.00$50.002/4/2010 5:18:04 PM
dsgfl1$25.00$25.002/4/2010 5:14:30 PM
unk1911$25.00$25.002/4/2010 5:14:37 PM
Fortuno_per_commodo$50.00$50.002/4/2010 5:16:43 PM
Loanliness$25.00$25.002/4/2010 5:17:04 PM
speyer$25.00$25.002/4/2010 5:17:39 PM
motivator796$25.00$25.002/4/2010 5:17:50 PM
OCedHrt$25.00$25.002/4/2010 5:17:56 PM
ryan23$25.00$25.002/4/2010 5:18:00 PM
rooosta$25.00$25.002/4/2010 5:18:05 PM
theprince$25.00$25.002/4/2010 5:25:36 PM
trade-trumpet$25.00$25.002/4/2010 5:26:03 PM
credit-force5$25.00$25.002/4/2010 5:25:25 PM
kindness-percolator5$25.00$25.002/4/2010 5:25:48 PM
gold-commander0$50.00$50.002/4/2010 5:26:27 PM
penny-zeus$25.00$25.002/4/2010 5:26:33 PM
lloyd_s$25.00$25.002/4/2010 5:25:10 PM
falcon245sp$25.00$25.002/4/2010 5:26:55 PM
skvat$25.00$25.002/4/2010 5:25:59 PM
AF-Chief$28.00$28.002/4/2010 5:26:17 PM
blissful-note7$25.00$25.002/4/2010 5:26:48 PM
junes08$50.00$50.002/5/2010 12:46:38 PM
open-minded-credit4$25.00$25.002/4/2010 5:01:20 PM
vkm2000$25.00$25.002/4/2010 5:03:41 PM
stable-nickel$291.00$291.002/4/2010 5:03:58 PM
CaptEdwardTeach$25.00$25.002/4/2010 5:04:47 PM
serpentine$50.00$50.002/4/2010 5:04:58 PM
joshua18$25.00$25.002/4/2010 5:05:04 PM
the_winning_ticket$30.34$30.342/4/2010 5:05:07 PM
influential-dollar$25.00$25.002/4/2010 5:05:22 PM
tender-openness$100.00$100.002/4/2010 5:05:27 PM
HunterSix$25.00$25.002/4/2010 5:05:38 PM
lendme2$25.00$25.002/4/2010 5:05:43 PM
Katburg$50.00$50.002/4/2010 5:05:46 PM
saritha$25.00$25.002/4/2010 5:05:51 PM
forthright-trade$25.00$25.002/4/2010 5:03:47 PM
Jack1966$25.00$25.002/4/2010 5:05:58 PM
LongTail$25.00$25.002/4/2010 5:03:52 PM
Swabjockey$25.00$25.002/4/2010 5:06:01 PM
HUNTER599673$25.00$25.002/4/2010 5:06:08 PM
UT-Longhorn$25.00$25.002/4/2010 5:06:16 PM
CREnvy$25.00$25.002/4/2010 5:06:22 PM
cash-boots$25.00$25.002/4/2010 5:05:05 PM
MoneySiles$25.00$25.002/4/2010 5:05:10 PM
elevated-platinum5$25.00$25.002/4/2010 5:05:17 PM
handy-justice$25.00$25.002/4/2010 5:05:19 PM
Toby1montana$53.86$53.862/4/2010 5:05:25 PM
nickel-eagle5$25.00$25.002/4/2010 5:05:28 PM
EricLender$25.00$25.002/4/2010 5:05:33 PM
unassuming-note$25.00$25.002/4/2010 5:05:42 PM
GrommetPosse$25.00$25.002/4/2010 5:06:23 PM
codingbuddy$25.00$25.002/4/2010 5:06:28 PM
kvandivo$25.00$25.002/4/2010 5:09:18 PM
contract-neutron$25.00$25.002/4/2010 5:09:23 PM
Likispa$50.00$50.002/4/2010 5:04:46 PM
rjw_mpwr$25.00$25.002/4/2010 5:04:57 PM
CASHGIRL$29.68$29.682/4/2010 5:05:03 PM
loucr2003$25.00$25.002/4/2010 5:05:13 PM
kcole10$25.00$25.002/4/2010 5:05:21 PM
bonus-patriot$25.00$25.002/4/2010 5:05:26 PM
mburke3434$25.00$25.002/4/2010 5:05:37 PM
RedGranite$25.00$25.002/4/2010 5:05:53 PM
sb0453$25.00$25.002/4/2010 5:05:56 PM
freefly67$25.00$25.002/4/2010 5:09:14 PM
worthy-truth$25.00$25.002/4/2010 5:09:24 PM
stoopidnoodle$25.00$25.002/4/2010 5:06:21 PM
maple1$25.00$25.002/4/2010 5:06:25 PM
durability-halibut$25.00$25.002/4/2010 5:09:20 PM
gciarami$25.00$25.002/4/2010 5:14:29 PM
promiser200$25.00$25.002/4/2010 5:14:33 PM
commerce-voyager$25.00$25.002/4/2010 5:16:00 PM
tocchan$25.00$25.002/4/2010 5:14:27 PM
Kaj$30.00$30.002/4/2010 5:14:32 PM
orange-finance-banker$50.00$50.002/4/2010 5:14:37 PM
majestic-dedication$50.00$50.002/4/2010 5:16:45 PM
DonaldColorado$25.00$25.002/4/2010 5:12:32 PM
soroxy$25.00$25.002/4/2010 5:17:36 PM
WHEREISTHEMOON$25.00$25.002/4/2010 5:17:47 PM
otter$25.00$25.002/4/2010 5:17:52 PM
kenji4861$25.00$25.002/4/2010 5:12:53 PM
Fearless_Lender$25.00$25.002/4/2010 5:17:57 PM
MTLoans$25.00$25.002/4/2010 5:18:07 PM
financial-frenzy$25.00$25.002/4/2010 5:16:47 PM
newest-unique-integrity$25.00$25.002/4/2010 5:17:49 PM
burgeoning-silver$25.00$25.002/4/2010 5:17:58 PM
RockCrown$25.00$25.002/4/2010 5:14:28 PM
MrG$25.00$25.002/4/2010 5:18:08 PM
industrious-dedication$25.00$25.002/4/2010 5:14:35 PM
skiforglory$25.00$25.002/4/2010 5:17:03 PM
appastk$25.00$25.002/4/2010 5:17:53 PM
green-benefit-enclave$25.00$25.002/4/2010 5:17:59 PM
faithey$25.00$25.002/4/2010 5:18:01 PM
blooming-market$25.00$25.002/4/2010 5:18:46 PM
personal-lender$25.00$25.002/4/2010 5:25:25 PM
meenan$25.00$25.002/4/2010 5:25:05 PM
kulender$30.00$30.002/4/2010 5:25:29 PM
moola-escalator$50.00$50.002/4/2010 5:26:07 PM
mlopez2007$50.00$50.002/4/2010 5:25:53 PM
br4444$25.00$25.002/4/2010 5:26:23 PM
CardCapDude$25.00$25.002/4/2010 5:26:44 PM
bchen78875$50.00$6.302/4/2010 5:32:32 PM
singletrck$25.00$25.002/10/2010 8:14:21 AM
163 bids
 
Borrower Payment Dependent Notes Series 445761
This series of Notes was issued and sold upon the funding of the borrower loan #40902, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,500.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-09-2010 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 29.74% Starting monthly payment: $102.60
Final lender yield: 26.40% Final borrower rate/APR: 27.40% / 29.74% Final monthly payment: $102.60
 
Auction yield range: 11.06% - 26.40% Estimated loss impact: 10.66%  
Lender servicing fee: 1.00% Estimated return: 15.74%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1973 Debt/Income ratio: 529%
Basic (1-10): 8 Inquiries last 6m: 2Employment status:Full-time employee
Enhanced (1-5):3 Current / open credit lines: 11 / 9Length of status:0y 2m
Credit score: 680-699 (Feb-2010) Total credit lines: 14 Occupation: Other
Now delinquent: 0 Revolving credit balance: $5,735Stated income:$1-$24,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: aspen6 Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Soldier in need of help
Purpose of loan:
This loan will be used to pay off debt

My financial situation:
I am a good candidate for this loan because of my good credit history and ive never missed a payment.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
ssb$2,500.00$2,050.002/8/2010 12:34:32 PM
Bob450$50.00$50.002/8/2010 9:16:35 PM
five-star-note$50.00$50.002/8/2010 10:19:07 PM
LuvToLend$25.00$25.002/9/2010 4:03:11 AM
Peterman$25.00$25.002/9/2010 8:22:35 PM
charming-point$300.00$300.002/9/2010 2:51:55 PM
6 bids
 
Borrower Payment Dependent Notes Series 445853
This series of Notes was issued and sold upon the funding of the borrower loan #40909, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $5,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-09-2010 
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 11.50% Starting monthly payment: $159.93
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 11.30% Final monthly payment: $159.46
 
Auction yield range: 4.06% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Aug-1994 Debt/Income ratio: 27%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 13 / 12Length of status:6y 1m
Credit score: 720-739 (Feb-2010) Total credit lines: 29 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $29,235Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 51%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: green-dinero-sherpa Borrower's state: Missouri Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Funds for my Masters degree
Purpose of loan:
This loan will be used to pay off credit card debt so that I can go back to school and get my MBA

My financial situation:
I am a good candidate for this loan because any debt I have accrued has been paid towards in a regular and timely manner
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
DonaldColorado$25.00$25.002/8/2010 12:40:03 PM
kenji4861$25.00$25.002/8/2010 12:40:44 PM
mlopez2007$50.00$50.002/8/2010 1:08:23 PM
radforj22$25.00$25.002/8/2010 1:02:17 PM
market-builder$25.00$25.002/8/2010 1:10:21 PM
dollar-birdie$30.00$30.002/8/2010 1:11:30 PM
skuba$50.00$50.002/8/2010 1:05:48 PM
lloyd_s$25.00$25.002/8/2010 1:07:42 PM
theprince$25.00$25.002/8/2010 1:08:16 PM
highcountry1$25.00$25.002/8/2010 1:13:56 PM
falcon245sp$25.00$25.002/8/2010 1:09:04 PM
profitable-asset1$25.00$25.002/8/2010 1:15:12 PM
delicious-social132$25.00$25.002/8/2010 1:10:32 PM
reflective-cash0$100.00$100.002/8/2010 1:15:36 PM
dealarella$25.00$25.002/8/2010 1:10:57 PM
commerce-web5$40.00$40.002/8/2010 1:11:19 PM
rolandweary$30.00$30.002/8/2010 1:11:42 PM
friendly-worth3$25.00$25.002/8/2010 1:11:48 PM
wampum-reaction2$25.00$25.002/8/2010 1:12:06 PM
LandE2BG$25.00$25.002/8/2010 1:12:15 PM
AmericanCredit$25.00$25.002/8/2010 1:12:26 PM
social-conductor4$25.00$25.002/8/2010 1:12:44 PM
auction-elvis$25.00$25.002/8/2010 1:17:49 PM
BlindJoeDeath$25.00$25.002/8/2010 1:14:15 PM
red-favorable-basis$25.00$25.002/8/2010 1:14:42 PM
dollardave$200.00$200.002/8/2010 1:20:26 PM
CAGE-Investments$76.18$76.182/8/2010 1:14:56 PM
klinebarger$25.00$25.002/8/2010 1:15:29 PM
gracej$25.00$25.002/8/2010 1:15:54 PM
bokonon$25.00$25.002/8/2010 1:16:25 PM
bruce3504$25.00$25.002/8/2010 1:16:31 PM
MarcusOcean$25.00$25.002/8/2010 1:16:45 PM
OCedHrt$25.00$25.002/8/2010 1:18:52 PM
life-is-great$25.00$25.002/8/2010 1:18:32 PM
natural-greenback6$25.00$25.002/8/2010 1:19:06 PM
fishintime$25.00$25.002/8/2010 1:19:37 PM
jla720$35.00$35.002/8/2010 1:25:18 PM
anton$250.00$250.002/8/2010 1:40:01 PM
studious-listing8$25.00$25.002/8/2010 2:07:16 PM
MM1207$25.00$25.002/8/2010 6:28:51 PM
Erogan5877$25.00$25.002/8/2010 6:24:46 PM
peso-colonel$90.00$90.002/8/2010 6:30:48 PM
loanfairy$25.00$25.002/8/2010 6:31:03 PM
coin-awakening$26.50$26.502/8/2010 6:33:13 PM
new-honorable-rate$25.00$25.002/8/2010 6:29:23 PM
simpy$25.00$25.002/8/2010 6:36:06 PM
worthy-bid4$25.00$25.002/8/2010 6:36:51 PM
kindness-percolator5$25.00$25.002/8/2010 6:37:32 PM
intently$25.00$25.002/8/2010 6:38:25 PM
Rick7925$25.00$25.002/8/2010 6:34:43 PM
hope-hickory$25.00$25.002/8/2010 6:35:06 PM
Montello$25.00$25.002/8/2010 6:40:21 PM
PeopleHelpers$50.00$50.002/8/2010 6:34:25 PM
atwaterville$50.00$50.002/8/2010 6:34:31 PM
thumper64$35.00$35.002/8/2010 6:35:29 PM
mizon291$50.00$50.002/8/2010 6:35:16 PM
srilm$25.00$25.002/8/2010 6:41:18 PM
charming-dime$25.00$25.002/8/2010 6:35:41 PM
steamboatgal$25.00$25.002/8/2010 6:42:07 PM
kchen486$25.00$25.002/8/2010 6:37:03 PM
Tavita$25.00$25.002/8/2010 6:37:47 PM
macjp123$25.00$25.002/8/2010 6:38:47 PM
gciarami$25.00$25.002/8/2010 6:39:27 PM
treasure-bliss$100.00$100.002/8/2010 6:39:52 PM
capital_gains$25.00$25.002/8/2010 6:39:59 PM
billyisafob$25.00$25.002/8/2010 6:40:09 PM
LiquidLender$25.00$25.002/8/2010 6:41:05 PM
durability-halibut$25.00$25.002/8/2010 6:41:24 PM
bold-bright-currency$25.00$14.322/8/2010 6:42:18 PM
BumblingStunmbling$25.00$25.002/8/2010 6:41:57 PM
lean-velocity$25.00$25.002/8/2010 12:41:03 PM
Havana21$25.00$25.002/8/2010 1:09:28 PM
Cai8899$75.00$75.002/8/2010 1:10:16 PM
peerlender$30.00$30.002/8/2010 1:11:04 PM
supreme-bonus0$25.00$25.002/8/2010 1:06:31 PM
desertoasis$25.00$25.002/8/2010 1:12:00 PM
commerce-voyager$25.00$25.002/8/2010 1:07:05 PM
meenan$25.00$25.002/8/2010 1:07:32 PM
forthright-dedication$25.00$25.002/8/2010 1:12:52 PM
bigballer105$25.00$25.002/8/2010 1:13:00 PM
personal-lender$25.00$25.002/8/2010 1:07:59 PM
credit-force5$25.00$25.002/8/2010 1:08:08 PM
moola-escalator$50.00$50.002/8/2010 1:08:36 PM
AF-Chief$28.00$28.002/8/2010 1:08:45 PM
CardCapDude$25.00$25.002/8/2010 1:09:01 PM
bchen78875$50.00$50.002/8/2010 1:10:05 PM
bowdish1$100.00$100.002/8/2010 1:10:40 PM
Phantom99$25.00$25.002/8/2010 1:16:15 PM
thedoctor$90.00$90.002/8/2010 1:11:14 PM
calm-deal7$25.00$25.002/8/2010 1:16:51 PM
Artist_Blue$25.00$25.002/8/2010 1:17:27 PM
PocketAces$25.00$25.002/8/2010 1:18:04 PM
djc314$25.00$25.002/8/2010 1:18:38 PM
supreme-hope$25.00$25.002/8/2010 1:13:50 PM
flexible-value$25.00$25.002/8/2010 1:15:05 PM
payout-point$50.00$50.002/8/2010 1:17:05 PM
inspired-contract9$25.00$25.002/8/2010 1:17:12 PM
community-pipeline$25.00$25.002/8/2010 1:17:55 PM
Kaj$25.00$25.002/8/2010 1:19:25 PM
selector568$500.00$500.002/8/2010 1:20:04 PM
dollardave$200.00$200.002/8/2010 1:20:13 PM
dime-beeper$25.00$25.002/8/2010 1:31:51 PM
KLVLOPZ64$25.00$25.002/8/2010 6:25:32 PM
anakinsolo$25.00$25.002/8/2010 6:20:10 PM
michael573114$25.00$25.002/8/2010 6:27:46 PM
glimmering-point$25.00$25.002/8/2010 6:25:10 PM
egw$25.00$25.002/8/2010 6:32:00 PM
GlobalVisionary$25.00$25.002/8/2010 6:32:45 PM
riproaringrapids$25.00$25.002/8/2010 6:29:05 PM
the-aggresive-principal$25.00$25.002/8/2010 6:31:43 PM
kulender$25.00$25.002/8/2010 6:37:16 PM
cardan97$25.00$25.002/8/2010 6:32:35 PM
ChicagoBoyz$25.00$25.002/8/2010 6:33:20 PM
MarinLoans$50.00$50.002/8/2010 6:33:31 PM
ASR3$25.00$25.002/8/2010 6:33:42 PM
orgy63$25.00$25.002/8/2010 6:40:52 PM
br4444$25.00$25.002/8/2010 6:37:44 PM
Philkent$25.00$25.002/8/2010 6:37:59 PM
TennSquire$25.00$25.002/8/2010 6:38:59 PM
nourishing-interest0$25.00$25.002/8/2010 6:39:37 PM
cvfriend$25.00$25.002/8/2010 6:39:13 PM
Woodworker57$25.00$25.002/8/2010 6:40:16 PM
progressive-asset$100.00$100.002/8/2010 6:41:32 PM
THREE-POINTS-LENDING$25.00$25.002/8/2010 6:41:48 PM
Kulchar$50.00$50.002/8/2010 6:42:16 PM
125 bids
 
Borrower Payment Dependent Notes Series 445963
This series of Notes was issued and sold upon the funding of the borrower loan #40899, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Feb-08-2010 
  Auction end date:  Feb-09-2010 
 
Starting lender yield: 26.40% Starting borrower rate/APR: 27.40% / 31.36% Starting monthly payment: $41.04
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 30.18% Final monthly payment: $40.42
 
Auction yield range: 11.06% - 26.40% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1985 Debt/Income ratio: Not calculated
Basic (1-10): 7 Inquiries last 6m: 0Employment status:Retired
Enhanced (1-5):5 Current / open credit lines: 6 / 6Length of status:3y 4m
Credit score: 640-659 (Feb-2010) Total credit lines: 28Stated income:$25,000-$49,999
Now delinquent: 0 Revolving credit balance: $26,162 
Amount delinquent: $0 Bankcard utilization: 99%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: wise-useful-silver Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Medical bills
Purpose of loan:
This loan will be used to? help cover medical bills following a recent unexpected hospitalization

My financial situation:
I am a good candidate for this loan because? it is a small manageable amount, not too much loan for what I need. ?I'm a disabled veteran with guaranteed VA disability compensation set by the federal government.

Monthly net income: $ 2870

Monthly expenses: $
??Housing: $ 769.00
??Insurance: $ 184
??Car expenses: $ 110
??Utilities: $ 125
??Phone, cable, internet: $ 145
??Food, entertainment: $ 200
??Clothing, household expenses $ 35
??Credit cards and other loans: $ 1176
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
five-star-note$40.00$40.002/8/2010 12:35:12 PM
ASR3$25.00$25.002/8/2010 1:13:11 PM
penny-surgeon$25.00$25.002/8/2010 1:13:28 PM
InChicago$25.00$25.002/8/2010 1:13:41 PM
aasx1108$25.00$25.002/8/2010 1:13:06 PM
Havana21$25.00$25.002/8/2010 1:13:16 PM
Helenska11$25.00$25.002/8/2010 1:13:22 PM
orange-finance-banker$25.00$25.002/8/2010 1:13:33 PM
BlindJoeDeath$25.00$25.002/8/2010 1:14:05 PM
head$25.00$25.002/8/2010 1:14:29 PM
dollardave$200.00$200.002/8/2010 1:20:18 PM
UCLA4life$25.00$25.002/9/2010 12:50:01 AM
Bob450$50.00$50.002/8/2010 8:37:59 PM
radforj22$25.00$25.002/8/2010 1:02:36 PM
halothane_logic$25.00$25.002/8/2010 12:59:13 PM
supreme-bonus0$25.00$25.002/8/2010 1:04:59 PM
supreme-hope$25.00$25.002/8/2010 1:13:44 PM
Diamond_Jim$25.00$25.002/8/2010 1:14:20 PM
red-favorable-basis$25.00$10.002/8/2010 1:14:33 PM
SignatureCapital$25.00$25.002/8/2010 6:12:39 PM
charming-point$300.00$300.002/9/2010 2:55:09 PM
21 bids
 
Borrower Payment Dependent Notes Series 446159
This series of Notes was issued and sold upon the funding of the borrower loan #40893, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $3,000.00 Prosper Rating: D Auction Duration: 7 days
Term: 36 months Estimated loss: 10.0% Auction start date:  Feb-09-2010 
  Auction end date:  Feb-10-2010 
 
Starting lender yield: 26.41% Starting borrower rate/APR: 27.41% / 29.75% Starting monthly payment: $123.14
Final lender yield: 25.25% Final borrower rate/APR: 26.25% / 28.57% Final monthly payment: $121.27
 
Auction yield range: 11.06% - 26.41% Estimated loss impact: 10.62%  
Lender servicing fee: 1.00% Estimated return: 14.63%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-2004 Debt/Income ratio: Not calculated
Basic (1-10): 6 Inquiries last 6m: 1Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 10 / 9Length of status:0y 0m
Credit score: 700-719 (Feb-2010) Total credit lines: 15 Occupation: Accountant/CPA
Now delinquent: 3 Revolving credit balance: $5,776Stated income:$25,000-$49,999
Amount delinquent: $570 Bankcard utilization: 18%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: brainy-generosity Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off my credit cards completely. The rest of the money will be used to get me, my girlfriend, and our 3 yr. old off to a good start with our first real home as a family.

My financial situation:
I am a good candidate for this loan because I have good credit history, I always pay bills on time or earlier and usually pay more than is actually due. Not only am I going to be the one paying for this, but my spouse also has income and we bundle everything together as far as expenses go.

Monthly net income: $ Myself: 30,000 yearly at a stable accounting job
??????????????????????????????????? My spouse: 30,000+/- yearly under self-employment
That brings us to around $4500 a month total, before expenses

Monthly expenses: $
??Housing: $ 818
??Insurance: $ 100
??Car expenses: $ 250
??Utilities: $ 150
??Phone, cable, internet: $ 129
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 100

Total is right around $2k per month in expenses. Leaving the other money wide open to pay off the loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rlgnyc$100.00$100.002/9/2010 4:06:35 PM
social-conductor4$25.00$25.002/9/2010 4:12:00 PM
five-star-note$35.00$35.002/9/2010 4:14:38 PM
corvettejrw$29.79$29.792/9/2010 4:14:46 PM
famous-bill$75.00$75.002/9/2010 4:18:26 PM
EdtheSupporter$25.00$25.002/9/2010 4:15:31 PM
IIP77$25.00$25.002/9/2010 4:15:35 PM
treasure-bliss$100.00$100.002/9/2010 4:19:36 PM
orange-preeminant-bill$100.00$100.002/9/2010 4:19:20 PM
oldmora$25.00$25.002/9/2010 4:19:29 PM
supreme-bonus0$25.00$25.002/9/2010 4:22:15 PM
dime-beeper$25.00$25.002/9/2010 4:22:18 PM
red-favorable-basis$25.00$25.002/9/2010 4:23:48 PM
play_ultimate$25.00$25.002/9/2010 4:25:01 PM
AF-Chief$28.00$28.002/9/2010 4:24:00 PM
orange-finance-banker$25.00$25.002/9/2010 4:23:20 PM
supreme-hope$25.00$25.002/9/2010 4:23:23 PM
head$25.00$25.002/9/2010 4:23:44 PM
cu2maro$25.00$25.002/9/2010 4:28:41 PM
Havana21$25.00$25.002/9/2010 4:26:00 PM
desertoasis$25.00$25.002/9/2010 4:28:37 PM
integrity-doctor$50.00$50.002/9/2010 4:33:13 PM
autonomous-basis$25.00$25.002/9/2010 4:33:35 PM
rock-turner$100.00$100.002/9/2010 4:43:28 PM
papaloha$50.00$50.002/9/2010 4:43:48 PM
Shepherd7$25.00$25.002/9/2010 4:44:01 PM
steves73$25.00$25.002/9/2010 4:44:34 PM
bowdish1$50.00$50.002/9/2010 4:45:05 PM
hope-equation$50.00$50.002/9/2010 4:45:16 PM
WBB21$25.00$25.002/9/2010 4:45:21 PM
elegant-loot$25.00$25.002/9/2010 4:45:25 PM
wise-extraordinary-loot$25.00$25.002/9/2010 4:45:29 PM
circuitfive$25.00$25.002/9/2010 4:43:52 PM
orange-courageous-dedication$30.00$30.002/9/2010 4:45:37 PM
time4aloan$30.00$30.002/9/2010 4:44:15 PM
purdue98$25.00$25.002/9/2010 4:44:24 PM
junctionking$25.00$25.002/9/2010 4:44:27 PM
WalnutCreekguy$25.00$25.002/9/2010 4:43:30 PM
loan-master996$50.00$50.002/9/2010 4:44:44 PM
jonbozeman$25.00$25.002/9/2010 4:45:12 PM
ingenious-deal6$25.00$25.002/9/2010 4:44:19 PM
intrepid-transaction5$25.00$25.002/9/2010 4:44:29 PM
theprince$25.00$25.002/9/2010 4:44:49 PM
balance-hercules$100.00$100.002/9/2010 4:44:52 PM
personal-lender$25.00$25.002/9/2010 4:45:36 PM
dollardave$100.00$100.002/9/2010 4:47:27 PM
UCLA4life$25.00$25.002/9/2010 4:49:20 PM
Bob450$25.00$25.002/9/2010 7:57:32 PM
Kaj$25.00$25.002/9/2010 4:18:31 PM
seisen$100.00$100.002/9/2010 4:19:24 PM
brutusbone$25.00$25.002/9/2010 4:18:54 PM
yeti888$25.00$25.002/9/2010 4:19:30 PM
Diamond_Jim$25.00$25.002/9/2010 4:23:40 PM
BlindJoeDeath$25.00$25.002/9/2010 4:23:34 PM
twirl2$25.00$25.002/9/2010 4:25:13 PM
rosario1$25.00$25.002/9/2010 4:28:35 PM
kmr2$100.00$100.002/9/2010 4:43:34 PM
merriewold$25.00$25.002/9/2010 4:44:21 PM
Rattlehead$25.00$25.002/9/2010 4:43:16 PM
natural-greenback6$25.00$25.002/9/2010 4:43:25 PM
Cai8899$30.00$30.002/9/2010 4:45:07 PM
nourishing-interest0$25.00$25.002/9/2010 4:45:17 PM
TheYellowDart$25.00$25.002/9/2010 4:45:23 PM
the-aggresive-principal$25.00$25.002/9/2010 4:45:27 PM
value-pole$25.00$25.002/9/2010 4:45:31 PM
benefit-squirrel$25.00$25.002/9/2010 4:43:58 PM
mizon291$50.00$50.002/9/2010 4:43:01 PM
falcon88dp$25.00$25.002/9/2010 4:43:07 PM
zippy-interest$25.00$25.002/9/2010 4:43:22 PM
GElender$25.00$25.002/9/2010 4:44:38 PM
wampum-proton$25.00$25.002/9/2010 4:43:41 PM
exact-loan5$30.00$30.002/9/2010 4:44:45 PM
selfmademan$25.00$25.002/9/2010 4:45:01 PM
bountiful-bazaar$25.00$25.002/9/2010 4:44:05 PM
delicious-social132$25.00$25.002/9/2010 4:44:09 PM
blooming-dedication$50.00$50.002/9/2010 4:45:41 PM
Zolton$200.00$112.212/9/2010 4:45:44 PM
secobarbital$25.00$25.002/9/2010 4:44:42 PM
kindness-percolator5$25.00$25.002/9/2010 4:44:55 PM
BankME$25.00$25.002/9/2010 4:45:02 PM
SolarMoonshine$25.00$25.002/9/2010 5:27:36 PM
LuvToLend$25.00$25.002/9/2010 11:49:54 PM
82 bids
 
Borrower Payment Dependent Notes Series 446205
This series of Notes was issued and sold upon the funding of the borrower loan #40915, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $2,600.00 Prosper Rating: C Auction Duration: 7 days
Term: 36 months Estimated loss: 6.5% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 11.00% Starting borrower rate/APR: 12.00% / 14.13% Starting monthly payment: $86.36
Final lender yield: 11.00% Final borrower rate/APR: 12.00% / 14.13% Final monthly payment: $86.36
 
Auction yield range: 8.06% - 11.00% Estimated loss impact: 6.73%  
Lender servicing fee: 1.00% Estimated return: 4.27%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Sep-1994 Debt/Income ratio: 17%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 16 / 13Length of status:2y 11m
Credit score: 680-699 (Feb-2010) Total credit lines: 36 Occupation: Civil Service
Now delinquent: 0 Revolving credit balance: $38,027Stated income:$75,000-$99,999
Amount delinquent: $0 Bankcard utilization: 87%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: StrugglingDCFederalEmployee Borrower's state: DistrictOfColumbia Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 25 ( 100% ) 680-699 (Latest)
Principal borrowed: $2,600.00< mo. late: 0 ( 0% )  
680-699 (Dec-2007)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 25  
Description
2nd Prosper Loan, Paid 1st early
Purpose of loan:?

Thank you for visiting my profile!
I want to reduce the interest rate from credit card debt.? This would enable me to become debt free faster at a lower cost to me.?This?would be my second loan on Prosper.com.? I paid off my first Prosper loan?11 months ahead of schedule.? ??

My financial situation:

Investing in my loan is low risk because:

1) I earn $77K a year working for a U.S. Federal Government agency.
2) I currently hold a Top Security Clearance for my?position.? This means a ten year history investigation?of where I have lived, worked, or gone to school, plus a credit and health check?was?conducted by the U.S. Government before they could offer me the job.
3)?I am single, no kids.? I do have two cats which are pretty low maintenaince.?
4) The Government covers my transportation costs.? I don't?own a car, therefore no gas, maintance, insurance or registration costs.
5) I have paid off other significant loans such a car loan and a $15,000 loan in less than three years.
6)?I just received an award of?$1000?and 3 days of vacation for excellence at work which means I am a very responsible employee.

Thank you for considering my loan request.?

Monthly net income: $ 3685.10

Monthly expenses: $ 2600.00
??Housing: $ 1200
??Insurance: $?149 a year (Renter's)
??Car expenses: $ 0 U.S. Government pays for public transportation costs
??Utilities: $?0 (included in rent)
??Phone, cable, internet: $ 85 (cell)
??Food, entertainment: $ Whatever is left after paying all of my financial obligations
? Clothing, household expenses $ Whatever is left after paying all of my financial obligations??
? Credit cards and other loans:? $ 800 Combined student loan and credit card loan
? Other expenses:? Medical $240
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
MoneyForNothing$25.00$25.002/10/2010 9:59:14 PM
Tuss12$100.00$100.002/12/2010 11:29:48 AM
KlarthXVII$50.00$50.002/12/2010 1:19:30 PM
ralf206$25.00$25.002/14/2010 5:47:01 PM
Cales$100.00$100.002/15/2010 12:57:53 PM
best-generosity-financier$25.00$25.002/15/2010 3:30:07 PM
wyogirllender$25.00$25.002/16/2010 3:53:39 PM
clemclan$25.00$25.002/16/2010 6:33:14 PM
wild-orange$25.00$25.002/17/2010 12:25:17 PM
LittleMingo$50.00$50.002/17/2010 12:21:15 PM
johnpmid$25.00$25.002/17/2010 3:08:53 PM
Unitas4302$300.00$300.002/13/2010 5:36:18 AM
sirguyon$200.00$200.002/14/2010 2:35:03 PM
supasonic$50.00$50.002/15/2010 11:05:26 AM
festeringsnot$25.00$25.002/16/2010 1:30:21 AM
Aberdeen$300.00$300.002/17/2010 12:20:33 PM
anton$2,000.00$1,250.002/17/2010 12:20:21 PM
17 bids
 
Borrower Payment Dependent Notes Series 446225
This series of Notes was issued and sold upon the funding of the borrower loan #40930, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $15,000.00 Prosper Rating: AA Auction Duration: 7 days
Term: 36 months Estimated loss: 1.5% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 9.50% Starting borrower rate/APR: 10.50% / 10.85% Starting monthly payment: $487.54
Final lender yield: 9.30% Final borrower rate/APR: 10.30% / 10.65% Final monthly payment: $486.12
 
Auction yield range: 3.06% - 9.50% Estimated loss impact: 1.51%  
Lender servicing fee: 1.00% Estimated return: 7.79%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: May-1994 Debt/Income ratio: 27%
Basic (1-10): 8 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):5 Current / open credit lines: 8 / 6Length of status:6y 6m
Credit score: 800-819 (Feb-2010) Total credit lines: 22 Occupation: Teacher
Now delinquent: 0 Revolving credit balance: $20,033Stated income:$25,000-$49,999
Amount delinquent: $0 Bankcard utilization: 28%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: desertdan Borrower's state: NewMexico Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 14 ( 100% ) 800-819 (Latest)
Principal borrowed: $5,000.00< mo. late: 0 ( 0% )  
840-859 (Jun-2008)
 
Principal balance: $0.00 1+ mo. late: 0 ( 0% )
Total payments billed: 14  
Description
Small Business Loan


Now in the second year of an online e-commerce venture, I am ready to expand.? The proceeds from this loan will provide cash flow for the expansion of inventory, advertising, equipment, and other business expenses.? After posting a small loss in 2008, I am proud to have posted a profit in the difficult recessionary times of 2009.? The monthly payments for this loan will be easily covered by sales, and my ability to pay is backed up by full-time employment by myself and my wife.

My wife and I have about 25% of our net income left over each month after the mortgage, groceries, and other fixed expenses are paid.? We have no car payment.?

Thank you all for your consideration!?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
lean-velocity$25.00$25.002/10/2010 4:12:17 PM
radforj22$25.00$25.002/10/2010 4:20:40 PM
supreme-hope$25.00$25.002/10/2010 4:21:36 PM
bokonon$25.00$25.002/10/2010 4:22:27 PM
friendly-worth3$25.00$25.002/10/2010 4:21:00 PM
flexible-value$25.00$25.002/10/2010 4:21:55 PM
jga516$25.00$25.002/10/2010 4:20:22 PM
auction-elvis$25.00$25.002/10/2010 4:23:00 PM
natural-greenback6$25.00$25.002/10/2010 4:23:19 PM
LandE2BG$25.00$25.002/10/2010 4:38:20 PM
social-conductor4$25.00$25.002/10/2010 4:38:27 PM
red-favorable-basis$25.00$25.002/10/2010 4:38:31 PM
mlopez2007$50.00$50.002/10/2010 4:39:10 PM
commerce-seahorse$25.00$25.002/10/2010 4:39:25 PM
kulender$25.00$25.002/10/2010 4:39:47 PM
Phantom99$25.00$25.002/10/2010 4:40:39 PM
bchen78875$50.00$50.002/10/2010 4:37:36 PM
delicious-social132$25.00$25.002/10/2010 4:37:48 PM
peerlender$30.00$30.002/10/2010 4:37:55 PM
bigballer105$25.00$25.002/10/2010 4:38:30 PM
thegreatone$100.00$100.002/10/2010 4:38:43 PM
iflyforfun$25.00$25.002/10/2010 4:38:57 PM
personal-lender$25.00$25.002/10/2010 4:37:04 PM
Cai8899$75.00$75.002/10/2010 4:37:40 PM
market-builder$25.00$25.002/10/2010 4:37:46 PM
commerce-web5$40.00$40.002/10/2010 4:37:58 PM
wampum-reaction2$25.00$25.002/10/2010 4:38:16 PM
lucrative-loan$50.00$50.002/10/2010 4:41:44 PM
coloradoloanman$25.00$25.002/10/2010 4:50:27 PM
anton$250.00$250.002/10/2010 4:38:58 PM
gmilliken$25.00$25.002/10/2010 4:53:24 PM
loantigger$25.00$25.002/10/2010 4:39:40 PM
Lambo168$25.00$25.002/10/2010 4:39:52 PM
investment-tempo$25.00$25.002/10/2010 4:41:23 PM
forthright-dedication$25.00$25.002/10/2010 4:41:49 PM
anakinsolo$25.00$25.002/10/2010 4:52:27 PM
Hexnut$43.76$43.762/10/2010 5:06:49 PM
cello1$25.00$25.002/10/2010 6:58:53 PM
wise-silver-wonder$50.00$50.002/11/2010 8:30:34 AM
blissful-note7$25.00$25.002/11/2010 12:15:36 AM
calilending$25.00$25.002/11/2010 12:52:40 AM
Cheburashka$29.08$29.082/11/2010 2:56:08 AM
CIC$25.00$25.002/11/2010 4:31:15 AM
unk1911$25.00$25.002/11/2010 12:55:50 PM
PK_USMC$25.00$25.002/11/2010 10:07:37 AM
worldly-marketplace$25.00$25.002/11/2010 1:47:03 PM
BankOfFrankFairness$50.00$50.002/11/2010 1:53:54 PM
superchicken$25.00$25.002/11/2010 12:24:36 PM
Monrovia$25.00$25.002/11/2010 1:22:46 PM
the-bright-velocity$25.00$25.002/11/2010 3:56:15 PM
uvumf$25.00$25.002/11/2010 12:57:56 PM
CAGE-Investments$25.00$25.002/11/2010 1:43:12 PM
greenwell$50.00$50.002/11/2010 2:51:00 PM
majormoves1$25.00$25.002/11/2010 1:40:28 PM
nojoke411$25.00$25.002/11/2010 2:48:02 PM
huorn$25.00$25.002/11/2010 3:38:53 PM
stable-nickel$250.00$250.002/11/2010 5:11:42 PM
Kijib$25.00$25.002/11/2010 4:59:15 PM
engaging-worth$30.00$30.002/12/2010 3:20:49 AM
don8ter$28.96$28.962/12/2010 8:25:34 AM
Namrok$25.00$25.002/12/2010 9:30:36 AM
agreement-accruer$25.00$25.002/12/2010 10:29:14 AM
rmachi$25.00$25.002/12/2010 10:29:43 AM
cash-tent$25.00$25.002/11/2010 10:04:51 PM
acropiloterau2002$25.00$25.002/12/2010 11:44:16 AM
dsgfl1$25.00$25.002/12/2010 9:30:51 AM
SDNLR$25.00$25.002/12/2010 9:31:29 AM
LAM26$25.00$25.002/12/2010 9:30:59 AM
compassion-lotus5$25.00$25.002/12/2010 9:31:06 AM
RG$35.00$35.002/12/2010 3:05:30 PM
Tradesmanlender$25.00$25.002/12/2010 9:31:39 AM
hotwired$25.00$25.002/12/2010 10:35:57 AM
BoutYeBank$28.23$28.232/12/2010 10:54:17 AM
zeelender$25.00$25.002/12/2010 11:48:11 AM
djs81$25.00$25.002/12/2010 5:16:23 PM
loanfairy$25.00$25.002/12/2010 5:18:24 PM
reinforced-reward$25.00$25.002/12/2010 5:16:35 PM
gold-commander0$50.00$50.002/12/2010 5:18:18 PM
laredotornado$25.00$25.002/13/2010 9:06:03 AM
cautious1$50.00$50.002/13/2010 9:41:46 AM
blooming-market$25.00$25.002/12/2010 9:40:34 PM
Mr_Bigmoney$25.00$25.002/12/2010 10:20:48 PM
marketrateinvestor$25.00$25.002/13/2010 12:21:20 PM
slico$25.00$25.002/13/2010 4:55:44 AM
moneynmotion$25.00$25.002/13/2010 6:36:27 AM
determined-contract$30.00$30.002/13/2010 9:06:07 AM
medicneedshelp82$25.00$25.002/13/2010 9:06:05 AM
BiggestG$25.00$25.002/13/2010 9:50:34 AM
sas19$25.00$25.002/13/2010 9:50:35 AM
sandeepPR$30.00$30.002/13/2010 11:05:27 PM
Ivan2007$25.00$25.002/14/2010 1:25:43 AM
seattleslug$30.00$30.002/13/2010 2:50:51 PM
Dollars4Rent$25.00$25.002/14/2010 8:41:19 AM
Casman8815$25.00$25.002/14/2010 9:10:35 AM
the-commitment-idol$25.00$25.002/13/2010 7:00:43 PM
transparency-giant$50.00$50.002/14/2010 12:07:25 PM
orange-finance-banker$50.00$50.002/14/2010 12:07:53 PM
worthy-truth$25.00$25.002/14/2010 12:08:02 PM
timmytiger$25.00$25.002/14/2010 12:08:18 PM
WTSherman$25.00$25.002/14/2010 12:08:24 PM
one2sojourn$30.34$30.342/14/2010 12:08:31 PM
elegant-income3$25.00$25.002/14/2010 12:08:35 PM
mjdaking$25.00$25.002/14/2010 12:09:20 PM
jd006006$36.73$36.732/14/2010 12:09:41 PM
USMC0311$25.00$25.002/14/2010 12:11:45 PM
zigzagz03$25.00$25.002/14/2010 6:15:27 AM
fireboss$25.00$25.002/14/2010 2:52:06 PM
DeltaGambler$25.00$25.002/14/2010 3:43:32 PM
creative-finance7$25.00$25.002/14/2010 4:43:35 PM
rosie777$25.00$25.002/14/2010 9:35:49 AM
Breadandbutter$25.00$25.002/14/2010 9:36:31 AM
junctionking$25.00$25.002/14/2010 7:50:52 AM
badgermom$25.00$25.002/14/2010 9:36:43 AM
kochan123$25.00$25.002/14/2010 9:51:10 AM
copperfield$25.00$25.002/14/2010 12:07:42 PM
TheBiggTree$25.00$25.002/14/2010 12:07:51 PM
BankofBen$29.39$29.392/14/2010 12:07:55 PM
The_Loan_Ranger$25.55$25.552/14/2010 12:07:58 PM
Flatfoot$25.00$25.002/14/2010 12:08:07 PM
red-trade-cologne$25.00$25.002/14/2010 9:36:50 AM
cash-vault$25.00$25.002/14/2010 12:09:17 PM
CardCapDude$25.00$25.002/14/2010 12:11:32 PM
thestartuplender$35.00$35.002/14/2010 12:11:36 PM
skvat$25.00$25.002/14/2010 12:11:44 PM
coin-spilunker$25.00$25.002/14/2010 12:11:57 PM
usedtoborrow$99.76$99.762/14/2010 12:17:23 PM
brightest-durability-chomper$25.00$25.002/14/2010 12:07:37 PM
payogie$25.00$25.002/14/2010 12:07:41 PM
goldeneye777$34.58$34.582/14/2010 12:07:46 PM
JohnGalt94$25.00$25.002/14/2010 12:07:50 PM
BuildingBestLife$25.00$25.002/14/2010 12:08:04 PM
donmacprosper$25.00$25.002/14/2010 12:08:06 PM
five-star-note$35.00$35.002/14/2010 12:08:19 PM
Thorny$25.00$25.002/14/2010 12:08:25 PM
Watts518$25.00$25.002/14/2010 12:08:28 PM
wdove511$25.00$25.002/14/2010 12:09:21 PM
wampum-chorus3$25.00$25.002/14/2010 12:09:23 PM
kindness-percolator5$25.00$25.002/14/2010 12:11:39 PM
kmr2$100.00$100.002/14/2010 12:11:48 PM
BoughtTheFarm$25.00$25.002/14/2010 12:12:16 PM
outtahoth2o$25.02$25.022/14/2010 11:06:56 PM
Yaj$25.00$25.002/14/2010 11:20:40 PM
isfahanian$25.00$25.002/14/2010 1:11:44 PM
ptjg$100.00$100.002/14/2010 4:25:40 PM
Diversify_Further$50.00$50.002/14/2010 7:29:06 PM
Hokiemon$75.00$75.002/15/2010 7:11:21 AM
goofy15975$25.00$25.002/15/2010 8:10:31 AM
toblerone$27.07$27.072/14/2010 9:10:37 PM
freefly67$25.00$25.002/15/2010 9:05:43 AM
noble-vigilance9$25.00$25.002/15/2010 9:05:47 AM
VPRLLC$25.00$25.002/15/2010 9:05:54 AM
HawaiiBoy75$25.00$25.002/15/2010 9:05:55 AM
Digs$25.00$25.002/15/2010 9:06:19 AM
penny-zeus$25.00$25.002/15/2010 9:07:13 AM
kanakakm$50.00$50.002/15/2010 9:07:17 AM
skillful-finance$25.00$25.002/15/2010 9:07:49 AM
DHolly$25.00$25.002/15/2010 5:31:56 AM
degster$25.00$25.002/15/2010 8:33:00 AM
Viamin$25.00$25.002/15/2010 10:13:08 AM
flexiboy35$25.00$25.002/15/2010 10:30:44 AM
wrchism$27.50$27.502/15/2010 10:30:48 AM
Judah_and_Sam$25.00$25.002/15/2010 9:05:36 AM
MrBailey$25.00$25.002/15/2010 9:05:39 AM
influential-gain$25.00$25.002/15/2010 9:05:42 AM
open-wealth492$25.00$25.002/15/2010 9:05:47 AM
elasermd$100.00$100.002/15/2010 9:05:53 AM
IIP77$25.00$25.002/15/2010 9:06:07 AM
friendly-market5$25.00$25.002/15/2010 9:07:05 AM
AFairDeal$25.00$25.002/15/2010 9:07:08 AM
kchen486$25.00$25.002/15/2010 9:07:16 AM
unrivaled-justice$25.00$25.002/15/2010 8:20:34 AM
panegryst$25.00$25.002/15/2010 9:05:40 AM
cub510$25.00$25.002/15/2010 9:05:45 AM
IncomeTemple$32.56$32.562/15/2010 9:05:49 AM
balance-voyager$100.00$100.002/15/2010 9:05:57 AM
beaker$25.00$25.002/15/2010 9:06:34 AM
aasx1108$25.00$25.002/15/2010 9:07:04 AM
alpinaut$25.00$25.002/15/2010 9:07:07 AM
hydrolucid$25.00$25.002/15/2010 9:07:32 AM
brocilybeef$25.00$25.002/15/2010 9:55:55 AM
revenue-officer36$25.00$25.002/15/2010 1:06:12 PM
jct_enterprises$25.00$25.002/15/2010 10:30:49 AM
green-unassailable-investment$25.00$25.002/15/2010 9:55:31 AM
gracej$25.00$25.002/15/2010 2:50:31 PM
sajitk$25.00$25.002/15/2010 10:02:46 AM
Pilotaceh$25.00$25.002/15/2010 11:07:05 AM
thesupplier$25.00$25.002/15/2010 10:05:35 AM
lowestghost$25.00$25.002/15/2010 10:30:47 AM
regahj99$25.00$25.002/15/2010 11:20:36 AM
credit-investor5$100.00$100.002/15/2010 11:20:27 AM
morpholog$25.00$25.002/15/2010 11:20:40 AM
QEI_Investor$25.00$25.002/15/2010 6:10:43 PM
DRA-Properties$25.00$25.002/15/2010 7:46:04 PM
sprinkler5$25.00$25.002/15/2010 7:53:06 PM
Ragnar$25.00$25.002/15/2010 8:51:22 PM
p2ploan-leaper$37.07$37.072/15/2010 2:00:31 PM
hard-working-loot$25.00$25.002/15/2010 2:41:39 PM
Dazz2061$25.00$25.002/15/2010 2:20:30 PM
ana74blue$25.00$25.002/15/2010 5:20:55 PM
excellency2$25.00$25.002/15/2010 6:49:12 PM
TrustOne$25.00$25.002/15/2010 7:30:35 PM
BabyLender$25.00$25.002/15/2010 7:46:26 PM
Super-LM$100.00$100.002/16/2010 4:41:14 AM
isfahanian$25.00$25.002/16/2010 6:05:43 AM
circustab$50.00$50.002/16/2010 8:40:02 AM
Helping-One-Another$50.00$50.002/16/2010 9:50:58 AM
twjh$25.00$25.002/16/2010 10:37:22 AM
rainbowsorbet$25.00$25.002/16/2010 12:26:51 PM
SpectrumCapital$25.00$25.002/16/2010 10:48:15 AM
wwwUniversal$25.00$25.002/16/2010 1:00:55 PM
octoberfresh$25.00$25.002/16/2010 1:19:25 PM
eliza11$75.00$75.002/16/2010 9:02:47 PM
RandyL3$36.00$36.002/16/2010 5:17:38 PM
jybank$25.00$25.002/16/2010 10:16:53 PM
best-generosity-financier$25.00$25.002/16/2010 8:53:20 PM
lucrative-durability$25.00$25.002/17/2010 9:11:48 AM
janus_god$30.00$30.002/17/2010 9:31:09 AM
miniloan$25.00$25.002/17/2010 9:30:45 AM
ingeborg77$50.00$50.002/17/2010 6:26:34 AM
ScottFinance$25.00$25.002/17/2010 8:12:52 AM
_SCI_$25.00$25.002/17/2010 10:30:53 AM
wild-orange$25.00$25.002/17/2010 12:34:58 PM
SpotLending$50.00$50.002/17/2010 11:26:35 AM
Ven58$25.00$25.002/17/2010 2:58:23 PM
kenji4861$25.00$25.002/10/2010 4:12:10 PM
inforapenny$25.00$25.002/10/2010 4:20:53 PM
systematic0$25.00$25.002/10/2010 4:20:59 PM
thedoctor$90.00$90.002/10/2010 4:21:30 PM
Zipperdu$50.00$50.002/10/2010 4:14:37 PM
MarcusOcean$25.00$25.002/10/2010 4:22:39 PM
inspired-contract9$50.00$50.002/10/2010 4:22:54 PM
egw$25.00$25.002/10/2010 4:20:56 PM
bruce3504$25.00$25.002/10/2010 4:22:35 PM
life-is-great$25.00$25.002/10/2010 4:23:09 PM
DonaldColorado$25.00$25.002/10/2010 4:28:39 PM
skuba$50.00$50.002/10/2010 4:36:54 PM
dealarella$25.00$25.002/10/2010 4:37:52 PM
dollar-birdie$30.00$30.002/10/2010 4:38:00 PM
rolandweary$30.00$30.002/10/2010 4:38:04 PM
honorable-yield$75.00$75.002/10/2010 4:38:45 PM
-------ing247$25.00$25.002/10/2010 4:39:55 PM
falcon245sp$25.00$25.002/10/2010 4:37:27 PM
new-smart-fund$50.00$50.002/10/2010 4:41:46 PM
durability-halibut$25.00$25.002/10/2010 4:41:53 PM
credit-coach118$40.00$40.002/10/2010 4:51:58 PM
AF-Chief$28.00$28.002/10/2010 4:39:13 PM
jakesworld$50.00$50.002/10/2010 4:39:19 PM
AceInTheHole$25.00$25.002/10/2010 4:59:08 PM
UncleTupelo2$25.00$25.002/10/2010 4:39:28 PM
reward-walnut$25.00$25.002/10/2010 4:39:30 PM
FinDoc$25.00$25.002/10/2010 4:40:13 PM
inforapenny$25.00$25.002/10/2010 4:36:52 PM
meenan$25.00$25.002/10/2010 4:36:59 PM
lloyd_s$25.00$25.002/10/2010 4:37:02 PM
credit-force5$25.00$25.002/10/2010 4:37:12 PM
bowdish1$100.00$100.002/10/2010 4:37:51 PM
currency-persimmon$25.00$25.002/10/2010 4:41:25 PM
AmericanCredit$25.00$25.002/10/2010 4:38:23 PM
Kaj$25.00$25.002/10/2010 4:38:36 PM
buckyhead2000$25.00$25.002/10/2010 4:39:34 PM
DukSerduk$25.00$25.002/10/2010 4:39:38 PM
SoCalRancher$25.00$25.002/10/2010 4:39:51 PM
desertoasis$25.00$25.002/10/2010 4:40:07 PM
market-banshee$25.00$25.002/10/2010 4:41:36 PM
payout-point$100.00$100.002/10/2010 8:29:42 PM
GrommetPosse$25.00$25.002/10/2010 4:41:42 PM
Havana21$25.00$25.002/10/2010 6:18:57 PM
tsui517$25.00$25.002/11/2010 2:47:54 AM
JJS180$25.00$25.002/10/2010 6:09:00 PM
KiwiElf$30.00$30.002/10/2010 9:18:55 PM
Artist_Blue$25.00$25.002/10/2010 8:29:02 PM
DeltaComputerGuy$25.00$25.002/11/2010 9:31:56 AM
cash-queen$50.00$50.002/11/2010 6:14:03 AM
rudyindc$25.00$25.002/11/2010 6:30:50 AM
HHP$25.00$25.002/11/2010 7:33:37 AM
GElender$50.00$50.002/11/2010 9:26:03 AM
profitable-asset1$25.00$25.002/11/2010 12:00:16 PM
community-pipeline$25.00$25.002/11/2010 10:07:36 AM
grampy48$25.00$25.002/11/2010 1:03:53 PM
highcountry1$25.00$25.002/11/2010 10:01:17 AM
jla720$30.61$30.612/11/2010 11:25:53 AM
angelinvestor2$25.00$25.002/11/2010 1:37:00 PM
BayShell$34.75$34.752/11/2010 11:41:03 AM
webfeet$25.00$25.002/11/2010 3:28:06 PM
jjb3$25.00$25.002/11/2010 1:13:03 PM
ClearLake$25.00$25.002/11/2010 12:26:59 PM
dime-beeper$25.00$25.002/11/2010 1:22:47 PM
all_of_that_one$25.00$25.002/11/2010 1:03:41 PM
BigCityLending$25.00$25.002/11/2010 2:05:39 PM
StarE$25.00$25.002/11/2010 2:08:01 PM
kayakg$25.00$25.002/11/2010 2:50:55 PM
capital-web7$25.00$25.002/11/2010 4:11:54 PM
dollardave$100.00$100.002/11/2010 3:57:08 PM
mikeandcat$50.00$50.002/11/2010 5:05:40 PM
snowman34$25.00$25.002/11/2010 5:11:11 PM
senorzookeeper$25.00$25.002/11/2010 8:25:43 PM
Captain88$25.00$25.002/12/2010 5:35:33 AM
totoro$25.00$25.002/11/2010 5:22:14 PM
impartial-deal$25.00$25.002/11/2010 5:22:33 PM
hizzy$25.00$25.002/11/2010 5:24:36 PM
zenchef$25.00$25.002/12/2010 9:31:12 AM
ADenny$25.00$25.002/12/2010 10:36:05 AM
slartibardfast$25.00$25.002/12/2010 10:55:00 AM
Sixmil$25.00$25.002/12/2010 9:31:42 AM
scott73$25.00$25.002/12/2010 1:57:06 PM
anacho4me$25.00$25.002/12/2010 9:31:02 AM
ctgscott$25.00$25.002/12/2010 2:56:47 PM
blukestrel$25.00$25.002/12/2010 11:07:37 AM
gogmagog$67.50$67.502/12/2010 10:29:46 AM
DadWarbucks$25.00$25.002/12/2010 11:44:11 AM
silverloan$75.00$75.002/12/2010 12:38:16 PM
TK4$25.00$25.002/12/2010 11:58:42 AM
loans4u2$25.00$25.002/12/2010 4:39:40 PM
PaulW$25.00$25.002/12/2010 4:41:47 PM
iLoaner$25.00$25.002/12/2010 4:51:30 PM
diligent-leverage$25.00$25.002/12/2010 5:57:01 PM
aycinvestments$33.00$33.002/12/2010 9:00:47 PM
zski$25.00$25.002/13/2010 6:40:47 AM
dontscrewmeover1$25.00$25.002/12/2010 5:49:45 PM
SnE$25.68$25.682/12/2010 10:00:31 PM
axelducheck$25.00$25.002/13/2010 2:41:35 PM
Gelden1$25.00$25.002/13/2010 8:43:17 AM
Walkingcowboy$25.00$25.002/13/2010 9:06:02 AM
leodaguy$25.00$25.002/13/2010 9:06:05 AM
boilermaker63$25.00$25.002/13/2010 9:06:14 AM
FunInSun$25.00$25.002/13/2010 9:32:50 AM
social-comet224$25.00$25.002/13/2010 7:03:02 PM
RB_Double-A_Bravo$25.00$25.002/13/2010 2:10:31 PM
first-pragmatic-note$25.00$25.002/13/2010 2:43:32 PM
murren$25.00$25.002/13/2010 4:53:13 PM
firefly17$25.00$25.002/13/2010 6:00:35 PM
balance6$25.00$25.002/14/2010 8:50:22 AM
guardlender$25.00$25.002/14/2010 9:36:47 AM
CaliforniaRepublic$25.00$25.002/14/2010 12:07:34 PM
inventive-wealth2$25.00$25.002/14/2010 12:08:00 PM
kcole10$25.00$25.002/14/2010 12:08:09 PM
Philosonie$25.00$25.002/14/2010 12:08:14 PM
fxsrider$25.00$25.002/14/2010 12:08:23 PM
MO_Investor$25.00$25.002/14/2010 12:08:27 PM
Toby1montana$54.00$54.002/14/2010 12:08:32 PM
wormdc$25.00$25.002/13/2010 9:45:32 PM
galtsgulch$25.00$25.002/14/2010 12:09:27 PM
verse99$25.00$25.002/14/2010 12:09:30 PM
AndrewNikolas$25.00$25.002/14/2010 12:11:38 PM
schpere$30.00$30.002/14/2010 12:11:47 PM
burgeoning-silver$25.00$25.002/13/2010 8:35:31 PM
br4444$25.00$25.002/14/2010 12:30:28 AM
geekguy$25.00$25.002/14/2010 2:20:56 PM
mizon291$50.00$50.002/14/2010 9:35:54 AM
Xaja$25.00$25.002/14/2010 9:36:34 AM
MoneyBagsRUs$25.00$25.002/14/2010 9:36:49 AM
scoobiedoo$25.00$25.002/14/2010 12:07:45 PM
dphoenix$25.00$25.002/14/2010 12:07:52 PM
Luminous-P$25.00$25.002/14/2010 9:35:52 AM
Tai$25.00$25.002/14/2010 12:08:00 PM
wampum-optimization$43.40$43.402/14/2010 9:36:46 AM
secundus$25.00$25.002/14/2010 12:08:08 PM
alverado$26.75$26.752/14/2010 12:08:29 PM
dpfl55$25.00$25.002/14/2010 12:09:44 PM
moola-escalator$50.00$50.002/14/2010 12:11:35 PM
shadowflame_99$25.00$25.002/14/2010 12:11:42 PM
commerce-voyager$25.00$25.002/14/2010 12:11:49 PM
clemclan$25.00$25.002/14/2010 6:56:42 PM
gain-butterfly$25.00$25.002/14/2010 12:07:03 PM
REVSTJ999$25.00$25.002/14/2010 12:07:35 PM
OCedHrt$25.00$25.002/14/2010 12:07:38 PM
MiniBank998$25.00$25.002/14/2010 12:07:44 PM
bold-ideal-benjamins$25.00$25.002/14/2010 12:07:48 PM
AJSinvest$25.00$25.002/14/2010 12:07:54 PM
PA2LA$25.00$25.002/14/2010 12:08:05 PM
liberty-revelry2$25.00$25.002/14/2010 12:08:21 PM
andyb9$25.00$25.002/14/2010 12:08:27 PM
market-assembler$50.00$50.002/14/2010 12:08:34 PM
bigdogsafety1$25.00$25.002/14/2010 12:09:25 PM
get30inc$50.00$50.002/14/2010 12:09:43 PM
klinebarger$25.00$25.002/14/2010 12:11:33 PM
theprince$25.00$25.002/14/2010 12:11:40 PM
bid-papyrus$25.00$25.002/14/2010 9:10:29 PM
loan-master996$50.00$50.002/14/2010 12:11:48 PM
loyalist1$25.00$25.002/14/2010 4:25:35 PM
Crusader88$25.00$25.002/15/2010 4:50:38 AM
BigMoney56$25.00$25.002/15/2010 5:23:44 AM
Cerias$25.00$25.002/14/2010 11:06:55 PM
Diversify_Further$25.00$25.002/14/2010 7:27:57 PM
dollardave$25.00$25.002/15/2010 4:36:23 AM
contract-neutron$25.00$25.002/15/2010 9:05:44 AM
active-market$100.00$100.002/15/2010 9:05:48 AM
green-sensational-dime$25.00$25.002/15/2010 9:05:54 AM
bigphish$25.00$25.002/15/2010 9:05:56 AM
majestic-dedication$35.15$35.152/15/2010 9:06:02 AM
auction-turbine4$25.00$25.002/15/2010 9:07:06 AM
Pasagam$25.00$25.002/15/2010 9:07:16 AM
trade-trumpet$25.00$25.002/15/2010 9:07:20 AM
minista$25.00$25.002/15/2010 9:07:50 AM
nv$25.00$25.002/15/2010 9:10:44 AM
caseattle$25.00$25.002/15/2010 9:50:51 AM
bds9646$26.00$26.002/15/2010 9:55:33 AM
LEBO$25.00$25.002/15/2010 9:55:48 AM
QuinMccoy$25.00$25.002/15/2010 10:05:35 AM
OLYVRC$25.00$25.002/15/2010 8:40:45 AM
hawaiiangirl76$25.00$25.002/15/2010 8:42:04 AM
Raetha$25.00$25.002/15/2010 10:30:46 AM
SongBirdProphecy$25.00$25.002/15/2010 9:05:37 AM
btoole$30.62$30.622/15/2010 9:05:40 AM
KeepOnRunning$26.34$26.342/15/2010 11:20:38 AM
petech$25.00$25.002/15/2010 7:54:57 AM
figs4u2$57.60$57.602/15/2010 9:05:46 AM
kvandivo$25.00$25.002/15/2010 9:05:50 AM
Jassi$25.00$25.002/15/2010 8:00:46 AM
CaptainBlueberry$25.00$25.002/15/2010 9:05:59 AM
Yankeeeagle$50.00$50.002/15/2010 9:06:38 AM
exciting-responsibility3$25.00$25.002/15/2010 9:07:06 AM
intrepid-transaction5$25.00$25.002/15/2010 9:07:12 AM
MM1207$25.00$25.002/15/2010 9:07:15 AM
RyuRabbit$25.00$25.002/15/2010 9:05:35 AM
Fortuno_per_commodo$50.00$50.002/15/2010 9:05:45 AM
DrMoneyBags$25.00$25.002/15/2010 9:05:48 AM
value-caravan$25.00$25.002/15/2010 9:05:56 AM
worthy-bid4$50.00$50.002/15/2010 9:06:01 AM
Beachbum27$25.00$25.002/15/2010 9:06:18 AM
teller$60.00$60.002/15/2010 9:06:40 AM
heroic-platinum$25.00$25.002/15/2010 9:07:04 AM
poeman$25.00$25.002/15/2010 9:07:14 AM
unequaled-loyalty7$25.00$25.002/15/2010 9:07:14 AM
jpmusic$25.00$25.002/15/2010 9:55:55 AM
celkram$31.03$31.032/15/2010 10:02:48 AM
Lendomatic$25.00$25.002/15/2010 10:30:45 AM
YellowJacket$25.00$25.002/15/2010 10:30:50 AM
vegibenz$25.00$25.002/15/2010 9:55:49 AM
dumbass$25.00$25.002/15/2010 9:55:52 AM
the-money-gargantuan$25.00$25.002/15/2010 11:45:37 AM
paulsar71495$25.00$25.002/15/2010 11:27:30 AM
scottburger$200.00$200.002/15/2010 12:26:41 PM
glimmering-credit4$25.00$25.002/15/2010 10:25:37 PM
brightest-income-hunter$25.00$25.002/15/2010 4:20:44 PM
coin-spilunker$25.00$25.002/16/2010 7:35:42 AM
liberty-grizzly$100.00$100.002/16/2010 8:45:19 AM
jakesworld$150.00$150.002/15/2010 5:50:14 PM
gatworx$25.00$25.002/16/2010 9:07:11 AM
adventure0$50.00$50.002/15/2010 8:57:01 PM
BankofRon$25.00$25.002/15/2010 9:16:37 PM
paladin847$25.00$0.992/16/2010 4:25:33 AM
preventivepestcontrol$50.00$50.002/16/2010 10:46:47 AM
Montgomery-Burns$25.00$25.002/16/2010 10:37:19 AM
interstellar$50.00$50.002/16/2010 10:56:23 AM
SCD$25.00$25.002/16/2010 1:39:30 PM
Astyanax$25.00$25.002/16/2010 2:49:03 PM
Johnab$26.00$26.002/16/2010 5:00:49 PM
ORteacher$50.00$50.002/16/2010 7:51:41 PM
cbfresh$25.00$25.002/16/2010 5:50:29 PM
stemothy$50.00$50.002/16/2010 8:12:06 PM
persistent-value3$64.23$64.232/17/2010 5:00:12 AM
rate-hickory$25.00$25.002/17/2010 8:17:54 AM
uralrider$31.98$31.982/17/2010 8:47:33 AM
labate$25.00$25.002/17/2010 10:05:48 AM
resplendent-moola$50.00$50.002/17/2010 10:18:42 AM
LawyerLoan$25.00$25.002/17/2010 9:42:09 AM
Patrician$50.00$50.002/17/2010 10:38:57 AM
himanshuko$39.77$39.772/17/2010 3:41:28 PM
justice-hawk$30.00$30.002/17/2010 12:26:57 PM
kc8fot$25.00$25.002/17/2010 1:56:14 PM
461 bids
 
Borrower Payment Dependent Notes Series 446297
This series of Notes was issued and sold upon the funding of the borrower loan #40927, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $8,200.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-17-2010 
 
Starting lender yield: 9.40% Starting borrower rate/APR: 10.40% / 12.51% Starting monthly payment: $266.13
Final lender yield: 9.20% Final borrower rate/APR: 10.20% / 12.31% Final monthly payment: $265.36
 
Auction yield range: 4.06% - 9.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 7.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Nov-1982 Debt/Income ratio: 39%
Basic (1-10): 9 Inquiries last 6m: 0Employment status:Full-time employee
Enhanced (1-5):4 Current / open credit lines: 21 / 19Length of status:12y 1m
Credit score: 760-779 (Feb-2010) Total credit lines: 42 Occupation: Sales - Retail
Now delinquent: 0 Revolving credit balance: $47,097Stated income:$50,000-$74,999
Amount delinquent: $0 Bankcard utilization: 57%  
Public records last 12m / 10y: 0/ 0 Homeownership: Yes  
Delinquencies in last 7y: 0    
Screen name: best-dime-oracle Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off credit cards
Purpose of loan:
This loan will be used to? This loan will be used to pay off high interest rate credit cards since some of these credit card companies have raised rates even though I have good credit and have had no blemishes on any account.

My financial situation:
I am a good candidate for this loan because? I have a very long credit history and have ?never had any late payments and this will actually decrease my monthly payments. I want to use this to shorten the amount of time to pay off these debts.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
rpatusa$25.00$25.002/10/2010 4:11:31 PM
skuba$25.00$25.002/10/2010 4:12:25 PM
AF-Chief$27.00$27.002/10/2010 4:12:56 PM
natural-greenback6$25.00$25.002/10/2010 4:11:19 PM
riproaringrapids$25.00$25.002/10/2010 4:11:50 PM
radforj22$25.00$25.002/10/2010 4:20:44 PM
reflective-cash0$100.00$100.002/10/2010 4:22:07 PM
Rick7925$25.00$25.002/10/2010 4:24:12 PM
forthright-dedication$50.00$50.002/10/2010 4:26:02 PM
orgy63$25.00$25.002/10/2010 4:26:08 PM
PocketAces$25.00$25.002/10/2010 4:23:04 PM
red-favorable-basis$25.00$25.002/10/2010 4:21:45 PM
supreme-hope$25.00$25.002/10/2010 4:21:50 PM
Kaj$25.00$25.002/10/2010 4:27:35 PM
jga516$25.00$25.002/10/2010 4:24:21 PM
macjp123$25.00$25.002/10/2010 4:25:23 PM
peso-colonel$90.00$90.002/10/2010 4:23:49 PM
kmr2$100.00$100.002/10/2010 4:28:54 PM
egw$25.00$25.002/10/2010 4:23:56 PM
commerce-voyager$25.00$25.002/10/2010 4:24:28 PM
psztnrw$100.00$100.002/10/2010 4:29:46 PM
theprince$25.00$25.002/10/2010 4:24:51 PM
life-is-great$25.00$25.002/10/2010 4:26:30 PM
jrbill1998$50.00$50.002/10/2010 4:30:35 PM
upbeat-investment9$25.00$25.002/10/2010 4:30:40 PM
bill-expert$25.00$25.002/10/2010 4:30:52 PM
punctual-power7$25.00$25.002/10/2010 4:31:10 PM
time4aloan$50.00$50.002/10/2010 4:28:00 PM
rooosta$25.00$25.002/10/2010 4:28:08 PM
brazilofmux$100.00$100.002/10/2010 4:31:54 PM
bold-bright-currency$25.00$25.002/10/2010 4:26:37 PM
delicious-social132$25.00$25.002/10/2010 4:28:42 PM
elevated-platinum5$50.00$50.002/10/2010 4:29:17 PM
impeccable-transparency$75.00$75.002/10/2010 4:29:22 PM
orange-courageous-dedication$30.00$30.002/10/2010 4:27:17 PM
bowdish1$100.00$100.002/10/2010 4:33:16 PM
luckyldy$35.00$35.002/10/2010 4:33:30 PM
loan-master996$50.00$50.002/10/2010 4:30:01 PM
value-pole$25.00$25.002/10/2010 4:27:53 PM
jigsaw$100.00$100.002/10/2010 4:33:48 PM
djindepth$25.00$25.002/10/2010 4:33:58 PM
torion$25.00$25.002/10/2010 4:34:03 PM
MM1207$25.00$25.002/10/2010 4:28:26 PM
BigBoy2008$25.00$25.002/10/2010 4:34:37 PM
felicity-synapse$25.00$25.002/10/2010 4:31:07 PM
Archchancellor$25.00$25.002/10/2010 4:34:53 PM
best-deal-banker$25.00$25.002/10/2010 4:35:13 PM
credit-kahuna$100.00$100.002/10/2010 4:31:23 PM
community-broadcaster$25.00$25.002/10/2010 4:35:25 PM
foxy-fund$50.00$50.002/10/2010 4:36:12 PM
boater01$50.00$50.002/10/2010 4:36:19 PM
kanakakm$25.00$25.002/10/2010 4:30:28 PM
commitment-forte6$25.00$25.002/10/2010 4:32:40 PM
durability-mad-scientist4$100.00$100.002/10/2010 4:32:47 PM
Clambake$50.00$50.002/10/2010 4:32:51 PM
paymentologist$25.00$25.002/10/2010 4:31:01 PM
cpaphoto$25.00$25.002/10/2010 4:33:25 PM
duty-monger$50.00$50.002/10/2010 4:31:42 PM
Ranch88$25.00$25.002/10/2010 4:34:10 PM
investor7257$25.00$25.002/10/2010 4:34:13 PM
peerlender$30.00$30.002/10/2010 4:31:57 PM
trumpeter5$25.00$25.002/10/2010 4:32:00 PM
gulch$25.00$25.002/10/2010 4:32:17 PM
Prosp_Lender$50.00$50.002/10/2010 4:32:22 PM
top-silver-american$25.00$25.002/10/2010 4:34:45 PM
dmfog$25.00$25.002/10/2010 4:32:27 PM
Luminous-P$25.00$25.002/10/2010 4:39:14 PM
The-CAPS-fan$30.00$30.002/10/2010 4:32:43 PM
money-maniac$50.00$50.002/10/2010 4:35:16 PM
xstreamin$25.00$25.002/10/2010 4:32:53 PM
ThomasCrown$30.00$30.002/10/2010 4:32:56 PM
friendly-market5$25.00$25.002/10/2010 4:35:28 PM
reward-adventure$25.00$25.002/10/2010 4:33:09 PM
Vegasjim$25.00$25.002/10/2010 4:40:12 PM
fcukciti$25.00$25.002/10/2010 4:36:01 PM
newgroom422$25.00$25.002/10/2010 4:33:35 PM
MarinLoans$50.00$50.002/10/2010 4:40:27 PM
kegs$100.00$100.002/10/2010 4:36:09 PM
gracej$25.00$25.002/10/2010 4:40:31 PM
jakesworld$25.00$25.002/10/2010 4:40:38 PM
trustu$25.00$25.002/10/2010 4:40:42 PM
henmota$25.00$25.002/10/2010 4:41:05 PM
XC27$25.00$25.002/10/2010 4:41:10 PM
seangw83$25.00$25.002/10/2010 4:34:15 PM
kaiger$25.00$25.002/10/2010 4:34:58 PM
zippy-interest$25.00$25.002/10/2010 4:35:00 PM
asset-equilibrium0$25.00$25.002/10/2010 4:35:22 PM
TheoProf$50.00$50.002/10/2010 4:35:37 PM
red-undaunted-kindness$100.00$100.002/10/2010 4:35:53 PM
top-commitment-champ$25.00$25.002/10/2010 4:35:55 PM
ocho$25.00$25.002/10/2010 4:36:04 PM
best-phenomenal-treasure$25.00$25.002/10/2010 4:36:15 PM
YLlama$25.00$25.002/10/2010 4:39:44 PM
Lambo168$25.00$25.002/10/2010 4:39:48 PM
wampum-proton$25.00$25.002/10/2010 4:36:33 PM
lowrate$25.00$25.002/10/2010 4:36:35 PM
DragonQueen$25.00$25.002/10/2010 4:40:20 PM
cpblue79$59.50$59.502/10/2010 4:40:27 PM
cardan97$25.00$25.002/10/2010 4:40:35 PM
LA-Funding-Bank$25.00$25.002/10/2010 4:40:43 PM
ramblin$25.00$25.002/10/2010 4:40:52 PM
wwwUniversal$25.00$25.002/10/2010 5:36:01 PM
coin-daisy$25.00$25.002/10/2010 4:41:07 PM
OTtherapy$25.00$25.002/10/2010 4:41:12 PM
five-star-note$35.00$29.242/10/2010 4:41:16 PM
hizzy$25.00$25.002/10/2010 4:38:39 PM
silvip$25.00$25.002/10/2010 4:38:50 PM
supreme-benefit$25.00$25.002/10/2010 4:39:42 PM
wise-bonus-honker$25.00$25.002/10/2010 4:40:29 PM
hope-hickory$25.00$25.002/10/2010 4:40:49 PM
GoldenTrout$25.00$25.002/10/2010 4:41:04 PM
camaraderi-entrepreneur$25.00$25.002/10/2010 4:41:10 PM
China0813$25.00$25.002/10/2010 4:41:13 PM
orbiter614$25.00$25.002/10/2010 9:16:25 PM
privatebankerva$25.00$25.002/12/2010 7:26:34 AM
pjnala1$50.00$50.002/12/2010 7:32:49 PM
spiff666$25.00$25.002/16/2010 8:32:34 AM
Charmart$25.00$25.002/17/2010 2:49:00 AM
blissful-note7$25.00$25.002/17/2010 4:21:50 AM
RadarLuv$25.00$25.002/17/2010 2:59:47 PM
nalaari$25.00$25.002/10/2010 4:11:08 PM
honorable-yield$50.00$50.002/10/2010 4:19:12 PM
mpatrick$50.00$50.002/10/2010 4:12:41 PM
fishintime$25.00$25.002/10/2010 4:23:22 PM
desertoasis$50.00$50.002/10/2010 4:23:42 PM
ccdmp2004$25.00$25.002/10/2010 4:19:16 PM
sophisticated-ore$200.00$200.002/10/2010 4:19:33 PM
cash-queen$30.00$30.002/10/2010 4:24:09 PM
kulender$25.00$25.002/10/2010 4:24:43 PM
kindness-percolator5$25.00$25.002/10/2010 4:25:00 PM
supreme-bonus0$25.00$25.002/10/2010 4:21:08 PM
BabyLender$25.00$25.002/10/2010 4:19:20 PM
LandE2BG$25.00$25.002/10/2010 4:25:17 PM
flexible-value$25.00$25.002/10/2010 4:22:03 PM
LiquidLender$25.00$25.002/10/2010 4:26:14 PM
inspired-contract9$25.00$25.002/10/2010 4:22:48 PM
friendly-worth3$25.00$25.002/10/2010 4:26:57 PM
calm-deal7$25.00$25.002/10/2010 4:22:41 PM
OCedHrt$25.00$25.002/10/2010 4:23:13 PM
TennSquire$25.00$25.002/10/2010 4:25:29 PM
important-ore$50.00$50.002/10/2010 4:29:01 PM
cvfriend$25.00$25.002/10/2010 4:25:36 PM
nourishing-interest0$25.00$25.002/10/2010 4:25:43 PM
intrepid-transaction5$25.00$25.002/10/2010 4:29:28 PM
wampum-reaction2$25.00$25.002/10/2010 4:25:57 PM
inspiring-reward$50.00$50.002/10/2010 4:29:35 PM
progressive-asset$100.00$100.002/10/2010 4:26:20 PM
dollar-birdie$25.00$25.002/10/2010 4:30:14 PM
social-conductor4$25.00$25.002/10/2010 4:25:10 PM
niskyfranchise$25.00$25.002/10/2010 4:26:47 PM
benefit-squirrel$30.00$30.002/10/2010 4:27:09 PM
currency-agave$25.00$25.002/10/2010 4:25:51 PM
E_G$30.00$30.002/10/2010 4:31:20 PM
lloyd_s$25.00$25.002/10/2010 4:27:43 PM
klinebarger$25.00$25.002/10/2010 4:31:44 PM
flopcat$25.00$25.002/10/2010 4:31:48 PM
aventurer$25.00$25.002/10/2010 4:32:25 PM
larrybird$100.00$100.002/10/2010 4:32:33 PM
credit-solstice$25.00$25.002/10/2010 4:26:42 PM
Speculator$50.00$50.002/10/2010 4:28:48 PM
Cai8899$50.00$50.002/10/2010 4:29:13 PM
hyetech$35.00$35.002/10/2010 4:33:01 PM
auction-turbine4$25.00$25.002/10/2010 4:27:06 PM
anders94$25.00$25.002/10/2010 4:33:23 PM
personal-lender$25.00$25.002/10/2010 4:27:30 PM
tntbuzz$25.00$25.002/10/2010 4:33:39 PM
integrity-doctor$50.00$50.002/10/2010 4:30:19 PM
MrDavid$25.00$25.002/10/2010 4:30:26 PM
Katahdin$25.00$25.002/10/2010 4:34:20 PM
invest0r$25.00$25.002/10/2010 4:34:24 PM
peaceful-return2$25.00$25.002/10/2010 4:34:41 PM
Pizza-man$50.00$50.002/10/2010 4:31:16 PM
wayman$50.00$50.002/10/2010 4:31:29 PM
balance6$25.00$25.002/10/2010 4:29:40 PM
PRGuyinVA$25.00$25.002/10/2010 4:35:50 PM
mtquan$25.00$25.002/10/2010 4:29:58 PM
loan-warrior$25.00$25.002/10/2010 4:30:08 PM
wdworld$100.00$100.002/10/2010 4:36:39 PM
tedsrfdude$25.00$25.002/10/2010 4:30:48 PM
maldok1$25.00$25.002/10/2010 4:30:57 PM
hitsman$50.00$50.002/10/2010 4:31:32 PM
commerce-web5$25.00$25.002/10/2010 4:32:05 PM
harmonious-revenue7$25.00$25.002/10/2010 4:34:33 PM
bchen78875$25.00$25.002/10/2010 4:32:12 PM
calilending$25.00$25.002/10/2010 4:39:05 PM
one-midas$25.00$25.002/10/2010 4:35:03 PM
crazycool$25.00$25.002/10/2010 4:32:38 PM
GreenNotes$36.00$36.002/10/2010 4:39:43 PM
tom48l$25.00$25.002/10/2010 4:33:06 PM
currency-oak$25.00$25.002/10/2010 4:35:30 PM
Avala$50.00$50.002/10/2010 4:35:35 PM
Carpetkid$25.00$25.002/10/2010 4:33:13 PM
Fiimg$50.00$50.002/10/2010 4:35:58 PM
virtuous-bill1$25.00$25.002/10/2010 4:33:33 PM
ChicagoBoyz$25.00$25.002/10/2010 4:40:25 PM
barbershopper_NT$25.00$25.002/10/2010 4:40:30 PM
gjh37$25.00$25.002/10/2010 4:33:45 PM
GlobalVisionary$25.00$25.002/10/2010 4:40:36 PM
SB-Funding$25.00$25.002/10/2010 4:36:29 PM
bonafide-cash$50.00$50.002/10/2010 4:33:52 PM
thumper64$35.00$35.002/10/2010 4:40:50 PM
PatRichi$25.00$25.002/10/2010 4:36:36 PM
payout-point$50.00$50.002/10/2010 4:41:01 PM
deal-pioneer1$25.00$25.002/10/2010 4:41:06 PM
Maalot20$25.00$25.002/10/2010 4:34:17 PM
selfmademan$25.00$25.002/10/2010 4:34:28 PM
30Sky$25.00$25.002/10/2010 4:34:49 PM
market-path$50.00$50.002/10/2010 4:35:05 PM
Aimvest$25.00$25.002/10/2010 4:35:08 PM
emelia$25.00$25.002/10/2010 4:35:20 PM
helpinghand75$25.00$25.002/10/2010 4:35:42 PM
agreement-fluffy-bunny$25.00$25.002/10/2010 4:39:31 PM
Josta$50.00$50.002/10/2010 4:36:24 PM
bdpres1$25.00$25.002/10/2010 4:36:32 PM
Havana21$25.00$25.002/10/2010 4:40:15 PM
kind-efficient-credit$25.00$25.002/10/2010 4:40:21 PM
monticello78$50.00$50.002/10/2010 4:40:28 PM
intently$25.00$25.002/10/2010 4:40:51 PM
Aaron_Oz$25.00$25.002/10/2010 4:40:54 PM
stollcm$25.00$25.002/10/2010 4:40:57 PM
useful-p2ploan$50.00$50.002/10/2010 4:41:02 PM
rcc7$25.00$25.002/10/2010 4:41:09 PM
mtandb$25.00$25.002/10/2010 4:38:41 PM
iflyforfun$25.00$25.002/10/2010 4:38:55 PM
wealthstar$25.00$25.002/10/2010 4:39:32 PM
ASR3$25.00$25.002/10/2010 4:40:22 PM
coin-awakening$26.50$26.502/10/2010 4:40:24 PM
plentiful-reward$50.00$50.002/10/2010 4:41:08 PM
peso-mate$25.00$25.002/10/2010 4:41:11 PM
emunah6$25.00$25.002/15/2010 1:25:22 PM
mhotchan$100.00$100.002/16/2010 1:11:58 PM
persistent-value3$41.76$41.762/17/2010 5:02:55 AM
webfeet$25.00$25.002/17/2010 6:48:07 AM
wild-orange$25.00$25.002/17/2010 12:33:02 PM
malcolmreynolds$25.00$25.002/17/2010 3:33:50 PM
235 bids
 
Borrower Payment Dependent Notes Series 446335
This series of Notes was issued and sold upon the funding of the borrower loan #40904, which corresponds to this series of Notes. The following information pertains to the borrower loan.
Amount: $1,000.00 Prosper Rating: A Auction Duration: 7 days
Term: 36 months Estimated loss: 2.1% Auction start date:  Feb-10-2010 
  Auction end date:  Feb-11-2010 
 
Starting lender yield: 8.40% Starting borrower rate/APR: 9.40% / 12.95% Starting monthly payment: $31.99
Final lender yield: 8.20% Final borrower rate/APR: 9.20% / 12.75% Final monthly payment: $31.89
 
Auction yield range: 4.06% - 8.40% Estimated loss impact: 2.12%  
Lender servicing fee: 1.00% Estimated return: 6.08%  
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper scores: First credit line: Jul-1996 Debt/Income ratio: 279%
Basic (1-10): 9 Inquiries last 6m: 1Employment status:Retired
Enhanced (1-5):4 Current / open credit lines: 6 / 6Length of status:2y 1m
Credit score: 740-759 (Feb-2010) Total credit lines: 20Stated income:$1-$24,999
Now delinquent: 1 Revolving credit balance: $7,270 
Amount delinquent: $45 Bankcard utilization: 7%  
Public records last 12m / 10y: 0/ 0 Homeownership: No  
Delinquencies in last 7y: 0    
Screen name: red-payout-explosion Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
paying off my bills after divorce
Purpose of loan:
This loan will be used to pay off bills after divorce. They are very minimal and just need a little help. ? My address is 719 reed st not 7119 reed st I tried to change but not able to. Please note?

My financial situation:
I am a good candidate for this loan because i believe to have good credit. I have just changed back to my maiden name which is DePaul from Durgin. I have always paid my bills on time and never had a problem with credit.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
BidderAmount BidAmount WinningBid Date (PT)
Tahoeguy$50.00$50.002/10/2010 4:10:10 PM
aasx1108$25.00$25.002/10/2010 4:10:26 PM
rpatusa$25.00$25.002/10/2010 4:11:30 PM
MM1207$25.00$25.002/10/2010 4:11:46 PM
nalaari$25.00$25.002/10/2010 4:11:07 PM
Entejaeger$25.00$25.002/10/2010 4:10:04 PM
riproaringrapids$25.00$25.002/10/2010 4:11:49 PM
BabyLender$25.00$25.002/10/2010 4:19:19 PM
rock-turner$100.00$100.002/10/2010 4:19:55 PM
skuba$25.00$25.002/10/2010 4:12:26 PM
new-honorable-rate$25.00$25.002/10/2010 4:20:16 PM
cash-boots$25.00$25.002/10/2010 4:13:20 PM
radforj22$25.00$25.002/10/2010 4:20:42 PM
honorable-yield$50.00$50.002/10/2010 4:19:12 PM
ccdmp2004$25.00$25.002/10/2010 4:19:15 PM
sophisticated-ore$200.00$200.002/10/2010 4:19:32 PM
red-favorable-basis$25.00$2.002/10/2010 4:21:46 PM
lendme2$26.75$26.752/10/2010 4:10:18 PM
natural-greenback6$25.00$25.002/10/2010 4:11:18 PM
the-aggresive-principal$25.00$25.002/10/2010 4:12:28 PM
gethsemane4$25.00$25.002/10/2010 4:12:37 PM
AF-Chief$27.00$27.002/10/2010 4:12:53 PM
HunterSix$25.00$25.002/10/2010 4:10:00 PM
financialsteward123$25.00$25.002/10/2010 4:10:03 PM
dollar-high-five$25.00$25.002/10/2010 4:10:41 PM
five-star-note$35.00$35.002/10/2010 4:19:42 PM
supreme-bonus0$25.00$25.002/10/2010 4:21:07 PM
orbiter614$34.25$34.252/10/2010 9:08:59 PM
28 bids